Honestly just wanted to share my excitement i make 52k a year 512 credit (I know awful I made some mistakes before) and got approved for a 23k car loan 0 down 14.99% interest but I chose to put 4k down they never asked for paystubs or anything so the whole process just felt wrong how easy it was only undisclosed issue was a bit of what looked like curb rash on a hubcap but I can literally buy one for cheap enough causing an issue over that is nothing, gonna get inspection done this week but as of right now I feel amazing!!!

Getting my car delivered tommorow super excited but kind of a dumb question here, my apr was 20% and 1500 dksn then after it expired and renewed I no longer needed a down-payment and Apr went to 14.99 even though they are saying my credit score is 514 (no clue why they say that when literally everywhere else says 580ish which i know still isnt great) anyone know why the aprs are so wildly different for people ive seen people here posting with better credit scores getting like 24% aprs

Purchased a car yesterday on sunday connected plaid to put 4k down (had a 0 down req but im low credit score like low 500s so wanted to throw a chunk of cash at car)

I was never asked for proof of income even though I havent recieved checks to that account for about a month (got a 2nd bank account and use first one for bills) so just curious when they'll ask for that considering app is saying im allset somehow? App says tasks complete and no further information needed should I still expect calls or emails asking about income?