How do I pre-qualify for a vehicle?

Asked by Sep 12, 2016 at 04:48 PM about the 2007 Mitsubishi Eclipse Spyder GT

Question type: Shopping & Pricing

2 Answers

65

pre qualify means knowing what your credit and income would with stand. For example i work for a dealer, before customers want to go for test drives and all the fun stuff I try to pre qualify them to make sure that we have a chance to get them approved for the loan before we possibly waste time for nothing.

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You don't get pre-qualified for a loan, you simply get qualified, and you can do that yourself. Go to creditkarma dot com and check your FICO score. Then note your salary. When shopping for a car remember to never spend more than 10% of your annual salary on a car. That means always living beneath your means. If you make $40,000 a year, don't spend more than $4,000 on a car. You can get a very nice used car for $4,000 if you shop around. In other words, do NOT go to a car lot. They will gouge you for all you're worth.

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