https://ficoforums.myfico.com/t5/Auto-Loans/How-to-get-auto-loan-with-short-credit-and-employment-history/m-p/5226730#M77112 <P>I am a PhD student. So the income is somewhat limited.</P><P>&nbsp;</P><P>Credit history: 6 months</P><P>Employment history: 9 months</P><P>FICO score: 710</P><P>Annual income: $26600</P><P>No co-signer.</P><P>&nbsp;</P><P>I am just declined by a local credit union, saying I have too short history and income low.</P><P>&nbsp;I ask for a personnal loan from DISCOVER, but the interest rate is up to 14%.</P><P>Where can I get auto loan with modest rate?</P><P>I will take even 7% something.</P><P>Really don't want to take the DISCOVER rate.</P><P>&nbsp;</P><P>Thank you all.</P> Wed, 18 Apr 2018 20:40:26 GMT Anonymous 2018-04-18T20:40:26Z https://ficoforums.myfico.com/t5/Auto-Loans/How-to-get-auto-loan-with-short-credit-and-employment-history/m-p/5226730#M77112 <P>I am a PhD student. So the income is somewhat limited.</P><P>&nbsp;</P><P>Credit history: 6 months</P><P>Employment history: 9 months</P><P>FICO score: 710</P><P>Annual income: $26600</P><P>No co-signer.</P><P>&nbsp;</P><P>I am just declined by a local credit union, saying I have too short history and income low.</P><P>&nbsp;I ask for a personnal loan from DISCOVER, but the interest rate is up to 14%.</P><P>Where can I get auto loan with modest rate?</P><P>I will take even 7% something.</P><P>Really don't want to take the DISCOVER rate.</P><P>&nbsp;</P><P>Thank you all.</P> Wed, 18 Apr 2018 20:40:26 GMT https://ficoforums.myfico.com/t5/Auto-Loans/How-to-get-auto-loan-with-short-credit-and-employment-history/m-p/5226730#M77112 Anonymous 2018-04-18T20:40:26Z