First time car buyer with credit of 700-706. I have a thin file, been an authorized user to a credit card since march 2026. Student loans deferred until 2027 and the only bill I pay monthly is rent for 1.7k. Been with job for 3 years and just signed new contract for 50,000. I’m wanting to get a reliable car with 0 down and max $350 monthly payments with reasonable apr. I have an inoperable Chevy Cruze that I would like to use for trade in even if I can only get a couple or few hundred bucks. Ideally I would like to live below my means which is why…
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