Lender most difficult to get an auto loan with

[joeblow2]

Which lender is the most difficult to get an auto loan with ?. In other words which lender has the toughest lending stardards and requirements?

[Anonymous]

if you had a BK, a repo or a bad payment history history with any of them.

Otherwise

There is no rule we can give you.

Cars are not driven by scores alone, and the riskier the loan the higher the interest rate.

score, income, DTI, LTV all shape a loan.

BK (fresh or with no rebuilding), Child Support or Mortgage default all kill loans pretty,much across the board.

[joeblow2]

What if you had a BK with one of them but it was over 10 yrs ago and off all CR ?

[Anonymous]

if you left them owing monies, you are probably black listed.

Just because you filed BK and it is off your credit report does not mean it is off their internal records, nor does it mean that they cannot hold that fact against you.

So if you BK-ed Ford Motor Credit you will no longer be able to lease, buy or get a preferred APR through Ford.

You may here strories where such and such person  got another loan with XXXXX after a BK, they slipped through the cracks- do not rely on it happening to you.

[joeblow2]

which auto lenders blacklist ? and what denial reason do they give if u have stellar credit  

[Anonymous]

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@joeblow2 wrote:

which auto lenders blacklist ? and what denial reason do they give if u have stellar credit  

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Well I would not try the one you burned. And they can give pretty much any reason they want including "past history with creditor"