And here's something else to consider... if you've got your heart set on something a little bigger, more luxurious and expensive than what your total score indicates, apply for it anyway. That's because banks are looking for ways to lend their customers the amount they have in mind, not for reasons why we can't.
VEHICLE
BUYABILITY GUIDE
If Your Auto Loan Test Score is...
15
to 25 points: You could qualify for a New Vehicle Loan
under $14,000 with 10% down payment or trade-in.
26
to 30 points: You could qualify for a New Vehicle Loan
$14,000 to $18,000 with 10% down payment or trade-in.
31
to 34 points: You could qualify for a New Vehicle
$18,001 to $25,000 with 10% down payment or trade-in.
35
to 39 points: You could qualify for a New Vehicle
$25,001 to $35,000 with 10% down payment or trade-in.
Over
39 points: You could qualify for a New Vehicle
over $35,000 with 10% down payment or trade-in.