Holy cheese n crackers, approved 4.9% no money down. Basically paying the same payment I was before, but now on a brand new car with 32 miles.
1 year ago, 540 FICO - 19.5%
Today, 620 FICO (with 710 FICO wife co-signing) 4.9%
Honestly cannot believe it, especially after being denied twice online.
In most auto loans (unlike mortgage loans) the higher credit score is used to determine the rates. So your ability to add your wife is a definite help for you in this case. But congratulations are still in order for your own progress.