I have a credit score of 675 im 19 years oldI do have previous auto credit on my history and Iwas wondering if u thinkI couldquilfy for the mazdalease program on the mazdaspeed 6

oh and i have a credit card that has never been late

 

i dunno, my dad signed the lease payment on my 3, but if you ask me, a 19 yr old and a speed6 probably aint a good combo... in the dealer's eyes.... especially if your leasing it...

 

why lol i make 3k a month (after taxes) i have a year of autoloan history NEVER late or anything

i got my first loan through ford motor credit at the age of 18 the car (06 ford ranger)went for 17,995 i got it for 16otd
my rate wast 15% first time buyer at 386.00 a month with 160.00 insurance not bad at all and that booosted my credit so im not complaining

 

They will give it to you if you have the credit. Sounds like you will be fine. They dont care if you break it, you just have to pay whatever back at the end of the agreement.

 

15% is REALLLLY high.....I'd feel like I got bentover with no lube at 15%. No offense but shop around next time.

That being said, 675 isn't too bad. So long as you don't have a ton of outstanding credit against you, you should be fine. If you have a ton of credit cards with (0) balances, that works against your credit rating as well. You are better off with (1) card with a high limit.

 

yes 15% may seem high but i got my car 3 weeks after i turned 18 ( first time buyers program ) mazda was supprised i dident get stiffed with a 20+% they said its perfectly fine for a 18 year old to get 20% on there own but i got 15% on my own so made me a LITTLE bit happier.. yea i only have 1 credit card with a limit of 400 and i only owe 50 bucks on it but i have been getting offers up the **** for differnt credit cards

 

You probably could have gotten a lower rate through a Credit Union or a bank than through Mazda American Credit (at least in your situation.).

To establish your credit score, use your card more (stick with 1 card), but make sure to pay it completely off each and every month. Go ahead and let them increase the limit to a couple of thousand...it's nice to have an emergency line of credit should a real emergency arrive. As long as you pay it off each month, you shouldn't be accruing any interest so it doesn't cost you anything more to do it that way.

 

nono haha i got a FORD rangerI financed mazda people were shocked that i got a 15% thats "really low for a first time buyer"

but yea they havent increased my credit in 6 months and its been paid off compleatly )