Do you think I will get approved for a PENFED Auto Loan? or wait

[nokiafinland07]

This is what is on my Fico Report..

736 Score

Short Account history -

-Oldest Account 1yr 6 Mos

-Average Account 11 months

Loan Balances -

-45% left on SELF LENDER (less than 300)

Those are the only RED MARKs above..  (onMyFico)

Now for Green

No Missed PAyments (0)

Love Revolving Credit Use - Ratio 6%

1 Inquiry (maybe two if the discoiver catches up)

Credit limits are

Cap 1 secure $300

Cap 1 Quicksilver $1000

Self Inc secure $250

Kikoff reports $500 if that matters

Installment Accounts - Self as I stated above (9months from finishing) 

Amount of new credit says fair.. -

-last acct open 2mos ago (Quicksilver)

-No Deluiqent Accounts. 

My first ever technical Loan (minus I guess SELF)

32yrs old - MY penfed savings has $5 atm and the checking I just opened up has $100 (gona put more in Friday)

Should I apply or wait? I am tired of waiting on this new car... need one asap

Will I get approved or denied, The lady said I meet min qualifications and they do a SOFT Equifax pull.. at the bank. Her word. 

[RobertJ]

Loan amount?  Income?  DTI?  Getting a loan involves much more than your FICO and CLs.

[fury1995]

Did your PenFed pre-qualifier include a rate? Also, what is your income. Did you provide that information to the lady at PenFed when she pre-qualified you? Your debt seems very low.