Interested in getting into a Durango R/T this spring.
FICO Auto 9--
EX 686
TU 687
EQ 674
FICO Auto 8--
EX 653
TU 637
EQ 653
AAoA: 2.5 years
# of positive trade lines: 10
# of negative trade lines:1--paid in full and closed in 3/2018. Shows a few 30 day lates, most recent is 5/2016.
Income: Combined gross income $200K
Lenght of Employment: Both over 2 years
Previous Loan Experience: Santander, never late, paid in full $17K, Cap One open, never late, $12K, Kia open never late $11K (trading this vehicle in, books out at $17K trade value). Also, an old Credit Acceptance account, paid in full, has a few 30 day lates, the most recent of the lates was 5/2016. Tried goodwill, they didn't respond in any way.
Debt-to-Income (DTI): Monthly debt is 16% of income
Year of Car: 2021 or 2022
Miles:0
Purchase/Refinance: purchase
Requested loan term (XX Months): 72
Down payment amount: $10K
Co-borrower/Co-Signer: yes, her scores are just 2-4 points higher across the board compared to mine
Other: Looking for 0% interest, will have to order for sure because the combination of options and color we want doesn't seem to appear anywhere. Most likely will be able to add more down payment money if need be, but bigger concern is getting the 0%.
