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Good Credit but still cant get an auto loan
AbsoluteZeroThe new film by Quentin KoopantinoRegistered Userregular
So I've found a nice used car and gotten a purchase agreement for it, a pretty good deal too. The dealer has agreed to hang on to the vehicle for a while until I secure a loan (probably a week at best). I need a loan of about $8700.
I've so far applied at two places: US Bank and Wells Fargo.
Despite the fact that my FICO is 713 and my credit is spotless, both places have turned me down. The reason they give: I haven't had an auto loan before.
So despite that the fact that I have been making around $400/mo payments on my numerous student loans for probably 2 years now and the fact that I have paid in full my credit cards every single month for 4 years and have never, ever gone past due on anything.... it seems they don't think I could handle repaying a $8700 secured debt.
The only remedy I can think of is to get a co-signer... but there is literally no one who would co-sign for me that has decent credit. None that I can think of, anyways.
I really need/want this car, and I'm running out of time. Any thoughts? Anyone know of a lender that would be more friendly to my needs?