401k loan effect DTI for auto loan?

[markd721]

Hello.

       I recently had to take out a 401k loan to help out a ex-girlfriend pay her bills while she was waiting for disability for Kidney disease. While its not hurting me financially at all, it does raise my DTI to about 44%. Without this loan my DTI would be in the 30's. Do auto lenders usually look at a 40lk loan when calculating DTI? No other loans other than rent, and credit card utilization is under 10% with a fico8 score of 780. No late payments ever, and ive been at my job for 21 years and same residence for 25 years. 

  Thanks guys for any help and advice

[JJF]

My 401K loans never reported to a credit bureau.

401K loan was cryptically shown on my paycheck but it wasn't clear it was a loan.

I was once asked what it was and I told them it was money going into my 401k retirement aacount.  

My recommendation is the 14% going towards your 401K loan is 14% savings going into your retirement account.  

I never listed 401K loans as debt on any mortgage or auto loan.  

[pizzadude]

Technically you're paying yourself back with these payments so I don't know how you'd classify this.  

Also in many cases lenders don't request proof of income for auto loans, given that they're lower risk / secured against an asset.