Odds of approval?

[Anonymous]

I will be going on vacation next month and also will start saving for a down payment on a car. (used)

I bank with a credit union and I know they pull Experian as i have a personal secured loan with them that i just paid off within the month.

Little background about me.

Age: 21
Credit score: 686 Experian (7/28/2016)
Income: 20000/year
AAoA: 1.3 years
Negatives: 2 closed Accounts i had when i turned 18. They are both paid off. My last late was over 1 year ago.
Accounts: 3
-Cap one: credit card limit $500
- Discover: credit card limit $500
-personal secured loan: Paid off as of 7/2016. No lates.

I have kept my balances below 20% for the past 6 months. I also live at home so i really dont pay for anything but my phone and insurance.

I know my income is low... Im in school just working in a gym right.now. im looking somewhere around $12-$15k if possible. I will be putting.down 10-20% when ready. Should i hit at least 700 before trying to apply?

[Anonymous]

I'd ask your CU what the threshold is and what the rates are. In my case my local CU has the same rate between 680-719 so the real goal is 720+. In your case it may be different, but you'll at least know what your rate will be & if you need to shoot for a certian score.