Most of the regulars on this site already know my credit situation. For the rest, here's the short story: I have 1 year of history, with no bad spots, 5 open credit cards, with almost $15k total limit, one personal loan ($3000). I am thinking of buying a new car at the beginning of the next year, let's say february. By then, the loan will be paid off completely and I'll have no outstanding balances on the cards. What are the chances of getting a car loan of about 20k? What about the APR? I'm currently making 65k, probably by then I'll change jobs, to around 75k. If any loan officer is reading this, what do you think about it?