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How likely would I be able to finance a car of 19,000 with credit score of 681

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You have more than one credit score. There are 3 different credit bureaus that a lender could pull your report/scores from, sometimes they pull one, sometime all three. The will surely use Fico scores. There are different versions of Fico though, so it is unknown to me as to what version they use. The things on your credit report are just as important as your scores when determining your eligibility. Your income and debt to income will also factor heavily on their decision. Your length of employment will be at play, the size of your down payment will also play a part. Auto loan history is an important thing they will look for as well. Each lender has different criteria to qualify applicants. The automobile itself will play an important part in the decision, is the mileage low enough, is the car new enough to meet the lenders standards. There are a ton of variables.

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