Hello there! I have been an avid reader of this forum for about a year now but time has approached for me to purchase my first car!
A little background knowledge,
Age- I am 21 years old
Annual Income - 22k
Employed - 2 years
Credit Score - 705-715 across the board
Average accounts - 1 yr 8 months - longest account- ( student loan) - 3.5 years ago newest acount - 3 months ago (student loan )
I am looking to get a 18K car loan on a 2016 Nissan Sentra
My current Util - 35% ( I am looking to get it lower ) ( $7500 limits all together ). I have $2500 credit card debt and $11,000 student loan ( I am currently still in school) no late payments or baddies.
My question is will I be able to get financing with Nissan (college grad program) without having to put a down payment or have a cosigner?
I am always looking to get a pre approval with Capital One .
Thanks for all your help!!
What does Cap One Navigator say?
They are usually pretty accurate.