Auto loan approval odds?

[gokarter24]

Looking to get a auto loan in the next couple months and wanted some opinions.

TU 675 Equ 700 Ex 695

Credit Card debt $3300

Personal Loans $7000

Credit cards will prob be paid off by the time I go for the loan, and personal loan prob paid down another $2k give or take.

no derogatories, all auto loans paid all time no late marks

current income is $95000/year, own my home.

What are my odds of approval on a $75000 auto loan, buying through private party.

[Shooting-For-800]

If the car is worth dramatically more than $75k, I would think you would qualify pretty easily.  

The lower the debt, the better the rate, generally.

[gokarter24]

Any idea what penfed's DTI / PTI limit is I just wanna make sure I'm within that.

[7774x]

---

@gokarter24 wrote:

Any idea what penfed's DTI / PTI limit is I just wanna make sure I'm within that.

---

Penfed does not do private sales loans.. Very generous ... smooth deal, even with marginal credit/baddies ...they loaned upper $30,000s .. no down payment last year. Best to call penfed and ask