Will I get approved?

shortyguy13 · ‎06-04-2013

HI everyone. Thanks for reading this! Well, to start off, I'm 19 in the military. Been in for almost 2 years and I need a car! I have a 675FICO score. I have 5 credit cards with a combined total of 14,000.(but they're fairley new). I also have quite a few hard inqurys'. I make about 3k a month and want to finance about 20k. I was thinking of applying to NFCU, USAA, and DCU and see what rates I can get and stuff. I'm just nervous. Please let me know your thoyghts. Thank you.

SamsungHDTV · ‎06-04-2013

Hard to tell, you have a chance I'd say. Your score is fine but, what will hinder you is your limited history.

tryingforgoals · ‎06-05-2013

Try NFCU and USAA. I don't know about DCU.

Capital One Secured Card (8/2020):$200 Capital One QuickSilver (1/2022):$900 Chime Credit Builder (9/2020) Capital One SavorOne Student (11/2021): $1,000.00
Starting Score: TU:569(1/2021) EQ:529 (1/2021) EX:595 (1/2021)
Current Score: TU:626(02/2022)EQ:634(03/2022) EX:635 (03/2022)
Goal Score: TU & EQ: 700+

Bobby1146 · ‎06-06-2013

As "Samsung" mentioned, your still very young & your going too fast to soon. You mentioned having 5 new credit card accts, that's not going to help you. If they do approve you for a car loan, lookout for the percentage rate, they may take advantage of your situation. Good Luck!

Chase Sapphire $5000/ Gap Visa $5000/ Discover$6500, Barclays Ring $5000, Chase Freedom $1,100.00/ Macy's $3000/ Best Buy $3400