>>28503572
This is absolutely correct.

My wife and I both have FICA and Vantgage scores over 830, and our FICO auto-specifics were both over 870. Basically the best credit you can possibly have. Our income to debt is virtually zero, with just a house note. Our household income is $120k (that’s well above average for Louisiana, one of the poorest states in the country). We couldn’t find a new car loan for under 7%.