paparoach429 wrote:Wow! I never thought of it like that! It doesnt matter to me one way or the other, I just figured I would get approved easier if I asked for a lesser amount or told them I had a 2k down payment.. If I could get the higher loan then im all for it. As far as credit unions go, dont you have to live in very close proximity of the credit union? I live on the southwest side near Archer and California. (I can see your face already. "Yikes"!) lol Anyways, like I said I thought I had a decent shot at a car loan. My oldest accounts are going on 2 years next month, only 1 30 day late ever, under %5 utilization as of right now on my cards.. Am I really that big of a risk!? lol
Its always good to do your homework first with loans before you pull the trigger. I really don't think, and don't quote me on this, that $2k will make a lot of a difference.
As for CUs, I'm not sure what the distance is that you have to live. Again, if you want the information to my CU which I use let me know. I will tell you who to talk to. The CU that I use pull credit reports for Trans Union.
LOL when I read Archer and Cali I really did say YIKES!!!
I take it that you're young, being that you're oldest acct will be 2 yrs? You might not get approved because "lack of credit history"