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I will be trying for that same vehicle in February. Hoping my scores get to where it needs to be by then. Salary is about the same as you. Only thing other thing will hold me back is the CO's on my credit report.
I got 50k loan with 665 auto score in may ...by far NFCU was easiest loan process ever......think Navy uses auto 9 becasue my experian and credit karma score were way lower than what Navy said it was.....i did have perfect payment history on vehicles....my auto 9 is almost mid 700s now.......the real question is to find out what scoring model a specific auto lender is going to use since they vary quite a bit
plus no down payment is needed and you can shop around and arent tied to any dealer.....they just cut you a check, and my interest rate was far lower than any dealer was quoting me.....no downsides whatsoever
and to think in aug of 2019 i had no credit score whatsoever.....notta