
funny story... I desperately needed a car cuz I sold my probe and didn't have a ride, my manager gave me a screaming deal on an accent gt (which is a CUTE car and even now I would still drive it) before seeing my credit and sent me on a dealer trade to get my car from drew hyundai in la mesa which is about 45 miles away... I get back and we work out the numbers and finally run my credit, I was a 513 auto fica, whis is below average, so what he does then is gives it to the finance department who then shotguns (car sales term for having every bank in the world run my credit) my credit to about 8 different banks, and they were all declined BECAUSE I AM AN EMPLOYEE!!! The last stop is the special finance dept. , who tell me that the only bank that stands any chance of buying my loan (on a $12k loan mind you) can't do it cuz 1. I'm a salesperson and my income varies month to month 2. I'm an employee and it's "too much of a liability 3. have some "dust" on my credit, and am a first time buyer... So I was carless, the next day I went to the toyota dealership who has some serious buying power cuz the sell 400+ units a month and sond most of their deals to one bank, toyota financial services. They rolled me in my solara (mind you a car that costs $5k more than the one I wanted to buy at my work) without even prechecking me, I had to come up with a little more down than I planned, but still they made it work, so mad props to toyota of escondido! That's why I didn't buy a hyundai, and yes everyone raises their eyebrow at me when I tell them I drive a toyota...
