Hi Everyone - I applied for a loan through Road Loans last night, for a $4500 used Passat. I received the denail due to the following reasons:age of newest auto finance trade is too short, no auto finance trades, insufficient installment trade experience. I will try with my credit union on Monday. My wife's credit is horrible (low 500's) I am at 610 - no baddies but high utilizaiton. The last car I had was paid off over ten years ago, current car wife financed, and I'm thinking I shouldn't apply for anything joint. Any advice would be appreciated. Thanks.
