Car Financing:

I am looking to purchase a new car- I am very fmailiar with the financial world- I am in the mortgage industry- but was wondering if any car dealers would give out approval info to me- I need to know what average interest rate you can get with credit scores of:

600-620-640-660-680 Assumming all the usual vanilla financing options- Debt to income is around 36% and stable job/income history over 10 years- No BK/JDGEMENTS/LIENS...
- Owns Home - 0 x 30 pay history
- Had 3 car loans- all 0 x 30 pay history

Basically- Will you tell me what you use for qualification-- thanks!:)

Most auto lenders will use the 680 as a cut off score.

Above 680, you are considered a prime borrower and will qualify for
a good interest rate. Below 680 puts you in the sub-prime category
and will make your APR higher.

This is a very general statement, all the other items you mentioned such as
debt to income ratio, and past history do go into the equation as well.