Well, all I know is that I was working part-time and making around what you make and the bank checked my credit and gave me the loan to finance my car...It was very cut and dry and took no time at all...Maybe it is because I live in southern MS? The average income is alot lower here (compared to the rest of the US) and even when I was part-time I was making quite a bit more than minimum wage which is better than the majority of the people in the small town where I live...I am not sure if that is why...Just a guess really...
Sorry I couldn't help more...
