Wanting a New Toyota (FJ)

[cyber27]

I have a EQ score of 632.

7 current. 2 in collections. one civil Judgement that's 6 years old.

looking to put in excess of 10k down for a new Toyota or leftover year 2013. 

What should I be possibly prepared for from my Credit union which I'm a member?  9 percent interest? I'm nervous that the civil judgement would put me out of reach.

[pizzadude]

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@cyber27 wrote:

I have a EQ score of 632.

7 current. 2 in collections. one civil Judgement that's 6 years old.

looking to put in excess of 10k down for a new Toyota or leftover year 2013. 

What should I be possibly prepared for from my Credit union which I'm a member?  9 percent interest? I'm nervous that the civil judgement would put me out of reach.

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It's really impossible to know, since your CU may lean towards the conservative, or perhaps not.     It will depend on their lending criteria, your income, previous auto loan history, etc..   

I will say that putting 10K down should help you ~ if your price was around 30K out the door that would be 33% downpayment, which is great.

[Creditaddict]

Try your credit union but I bet Toyota can get it done at near tier 2-3 rates (promo) if they pull 632+ for your auto enhanced fico!