Credit Score     Enter your actual credit score (Beacon/FICO). Payments shown are based on that score. A score of 680+ has a higher approval rating. A score of at least 700 is usually considered to be "A" Credit. Some scores over 700 will qualify for "A+" and "A++" credit with lower rates. If you don’t know your score, get it here!.            What are the credit guidelines?           The following are general credit guidelines. However, the lender you select makes all final credit decisions in its sole discretion. A complete financial profile and history of an individual who demonstrates a credit background with no history of derogatory credit items. Applicants meeting the "A" (score of 700+) qualification criteria enjoy the benefits of excellent rates and aggressive credit advances. Specific Guidelines: 2 years successful maintenance and/or repayment pattern of all credit accounts Positive repayment history of comparable vehicle loan/lease (75%) of the amount now being considered. 1 year employment history with same employer. 2 years in same field 45% debt-income ratio, demonstrate sufficient income to support additional debt load. Proof of income through; Current year US income tax returns, Employer pay stubs, Bank references, Corporate or Personal financial statements, Investment account statements, or CPA prepared letters of income. Former bankruptcy may be acceptable after five years with reestablished credit and no derogatory items since the discharge.      What affects my credit score?           A low credit score can raise the price of your monthly payment and a very low score can mean denial of your application completely. Here are the approximate percentages that determine your credit score: Payment history (35%). The largest factor determined on your credit score is your basic payment history. The number of unpaid bills you have, any bills sent to collection, bankruptcies etc. The more recent the problem, the lower your score. Outstanding Debt (30%). Are your cards maxed out? High balances or more precisely, balances that are close to your credit limit can negatively affect your score. Keep your balances below 30%. Length of your credit history (15%). How long have your accounts been open? The longer, the better. Recent inquiries (10%). Every time you apply for credit of any kind, you create an inquiry on your credit report. Lots of Inquiries negatively affect your score. Types of credit in use (10%). Current loans from finance companies. How many and how much. Get your credit score, now!