I had a 630 with 3k down, I low balled the hell out the dealer trying to sell the 12 Nismo for 35k, got it down to 29k lol and I had to get a co signer with a +650 to get approved, I also had a 10 Altima SR with only 7k left too pay off, probably why I needed the co signer. What banks really look at is how much you make monthly. If your a first time car buyer, you might need a co signer aswell.
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