Hello I am new to this page. I'll get straight to the point. Currently I am overseas ,and when I get home I am looking to finance a new car. I sold mine before I left home. A honda civic coupe would be my car of choice. My current fico score is 720 and the length of credit history is 1 year. Will be about 1 year 3 months once I get home. I have 2 credit cards at 500 each, both unsecured. I dont plan on selling the car so depreciation is no issue to me, I plan to use it until the wheels fall off. Now what are my chances of getting an auto loan with honda financial or someone else? I know my limited/short credit history will probably be an issue. All my CC payments are on time, I always keep the utilization under 20%. I am looking to put 10k down and pay the car off in 3 years via putting money towards the principal. What are my chances? I'll basically need a 15k auto loan to get the car I want. My salary at home is 32k a year once home. Will I only get a loan at a high apr rate? First time buyers program? I'm just nervous
