I Will be going to a Fiat dealer this Saturday to purchase a new 124 Spider Abarth. My scores across the board are as follows: EX: 709, Auto Fico 8: 671 Auto Fico 2: 710 EQ: 755 TU: 774. Purchase price after rebates and incentives will be around 29000, with 6000.00 down. Experian is lower because they removed a positive auto trade line that should have remained for 10 years and a few inquiries that are not on other reports. What are my chances of being approved through Chrysler Capital? I would really like them to only pull through the capitive lender, since I dont like any dings lowering my score anymore that it really needs to be.
Thank you for your input.
Yes, it sure was. I went with PenFed, online app with instant approval, 3.75 interest rate, cant complain at all. Called an finished process with customer service. Went to dealer today with price in mind. Got the vehicle for around 28,900.00 with 7000 down an financed the rest. Pick up on Tuesday of next week. Seems you're gonna have a mighty nice truck yourself in a few months. Exactly what I would get if I was purchasing one.
Thank you for the help with the credit union, greatly appreciated an they were so easy to deal with.
Did PenFed do a hard pull with your membership application? I want to open an account with them in advance of applying for a car loan in two months, but I don't want an extra HP on my credit report between now and then.
Pen fed also uses the same pull for 90 days unless you request otherwise. So either way, if you are gonna apply in 2 months or now, it’s the same pull
Then it might make sense for me to wait then since I anticipate my credit scores will be higher in two months than they are now (I will have paid all of my credit card debt off by then).