Looking to buy a 2006 car with low milage & low LTV. My only credit problem seems to be I have a high utilization of credit right now (58%). I only have another 2 wks to buy the car, was looking to get a loan from a credit union. my plus scores are:
No bad history whatsover other than that 58% utilization of credit.
I have a mortgage, 3 credit cards & student loans but my DTI ratio is still less than 20%. The car is $12k & income $8000/mo.
Any ideas of a good CU to try?
Any local or personally I recommend DCU for auto loans right now, but most will be fine for you. They may want something on a down payment but 58% isn't OMG bad, your scores are probably fine with those PLUS ones (no guaruntees) and the rest looks more than acceptable assuming you income is provable if they ask.