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I'm trying to apply for a 20k loan to purchase a 2014 honda cr-z(brand new). I plan on applying for a loan at a local cu but before I go i'd like to know if i even stand a chance.
Credit score: 723 (accoring to karma)
Previous loans: none
CC : 2 of them, 1450 limit(5yrs old) and 1000 limit(2 months old). I pay both off each month
Age: 24
Income: 2000 a month after taxes
Bills: none
Current Employment: 3 years
Current Address: 3 years
I could make a small down payment.. around 500 and I don't plan on using a co-signer.
Let me know if there's anything important I might've left out.
recent college grad by chance? honda has a program for that.
not sure how they are with first time buyers.... be sure to put before tax income on applications.
I would suggest getting some credit cards after you settle up on this car, I believe you could be in an even better place for this car loan if you were carrying around a few $5k+ Credit lines and showing that you are managing them all very well