Approvable
Decision Snapshot
April 25, 2026
70%
Moderate Stretch
Vehicle of interest
Custom build
$38,000 · 60 mo · 7.25% APR
Payment
$677/mo
Loan
$34,000
LTV
89%
Post-deal DTI
37.0%
Borrower Snapshot
Gross Monthly Income$8,500/mo
Net Monthly Income$6,300/mo
Credit Score740
Down Payment$4,000
Trade Equity$0
Existing Obligations$2,280/mo
All-In Monthly Impact
Loan$677
Insurance$190
Fuel$160
Maintenance$75
All-in monthly$1,102
Risk Flags
- payment compression— All-in vehicle costs are 17.5% of net income (limit: 15%).
Recommendation
Approvable, but tight — restructure or shop more lenders before signing.