Credit Score: FICO: 590 EQ 618 TU 548 EX
FACO Vantage: 536 TU 527 EQ N/A for EX
AAoA: 3 years and 2 months
# of positive trade lines: capital one Secured 200$, discover secured $200, Fingerhut 500$
# of negative trade lines:
Student loans currently in forbearance since October 2017, lapsed in September
Income: gross 40000 annually, biweekly net 1400, and my boyfriend weekly $320 (he has no credit and no debt) I plan on doing uber and bringing home average of 150$ a week or more
Lenght of Employment: 1 year
Previous Loan Experience: 0 car loan experience, 10 student loans (forbearance), 1 other loan (paid as agreed),
Debt-to-Income (DTI): with my boyfriend income its 14%
Year of Car: 2018-2013
Miles: 60k or less
Purchase/Refinance: purchase NA
Requested loan term (XX Months): no more than 6 years
Down payment amount: 3000 firm
Co-borrower/Co-Signer: nobody just me
Other: No military affiliation, did Capital One overqualified and got denied, did Carvana prequalified and got a 17.78 interest rate
Please consider that I'm 23yo amd my inaurance although I never have been in an accident will be high. (Any advice on insurance companies will be awesome too!)