Ive been doing some loan shopping, and am looking at Chase, seeing as there are so many positive reviews about them. I have both their Freedom and Slate cards, but they both have high balances due to the holidays. I use those cards the most of all my cards (0% APR), and have never been late on them. My total UTIL is 29% for all cards. Here is more info:
Credit Score: 660 EX Fico (1/11)
AAoA: little less than 2 years
# of positive trade lines: 6
# of negative trade lines: 2 ( a few lates from 2+ years ago)
Income: approx 23,000 per year
Lenght of Employment: 2.5 years at current job
Previous Loan Experience: none
Debt-to-Income (DTI): 10%
Year of Car: 2011 Honda Accord
Miles: 28000
Purchase/Refinance: purchase
Requested loan term (XX Months): 60
Down payment amount: 6400
Co-borrower/Co-Signer: none
Other: I live with family, so I dont pay any rent. Patelco already denied me and after the fact told me that they have to put atleast $400 down as rent even though I dont pay any.
Looking for a loan of no more than 17,000.
