In my opinion the lenders have tightened up once again. It may ony be temporary but I would not give them a reason to reject your loan. Applying for a major purchase such as an automobile can have a major impact on approval or disapproval. Most underwriters would prefer not to see any new credit with-in the last 12 months. There are exceptions depending on your credit worthiness and stability of income. But once again is it worth the risk?

Good Luck