What is the chances of getting a 35k auto loan with a 650 score?

I make decent money at 110k a year and have a 650 credit score is there someone that will approve me for a 35k auto loan even if it is a high interest rate. Please don't try selling me a loan I am looking for a legit answer from a legit person. Thanks to everyone in advance.

What is the chances of getting a 35k auto loan with a 650 score?
Auto finance is what I do for a living and auto loans are based on the following factors;





1. Loan to value.


2. Age of vehicle.


3. Miles on vehicle.


4. Term of l;oan.


5. Down payment.


6. Time on job.


7. Time at residence.


8. Monthly income before taxes.


9. Credit score/profile.


10. Total debt to income ratio.





As long as you have the profile to support your score you should have no problem getting approved for a loan.





The first poster is wrong about having to take out 2 loans that's just silly.





You can try Capital One, H.S.B.C. %26amp; Wells Fargo on line and be approved before you go shopping or just go to any dealership they should have no problem getting you approved.





Good luck.
Reply:Based on your income, you will not have a problem. A 650 credit score is not bad at all. As long as you have no negative recent activity, you will not have any prob. I bought a tahoe a few years ago for 35,000 and made about 75k per year and had no prob at all w/ GMAC.
Reply:650 is the average, that will be very diff. You will most likely have to take out 2 or 3. I have a credit score of 720, I had to take out 2 loans for my car without the interest being insane.

lily