<prompt> Human: Credit is 700-750 but hovers at 722. Old closed credit card. Current card at 500 limit for 1.5yrs. Income of 60000. No debt. I live with four roommates in a cheap house so I pay about 250 a month on rent and bills plus cell phone and living expenses. Full time union job. Yet I still have insufficient credit history according to preapproval from prosper.com and two others. Should I even bother at the dealership at this point? Im seeking a loan for a 2011 vehicle priced at 25,000.  <response>: I financed one of our cars through a dealership. They just reach out and find a lender, and its often the bank or credit union you would have found on your own anyway. Theres no harm in seeking pre-approval. Just, dont accept financing if the interest rate is anywhere above 6, and preferably it should be at 4 or lower.You might try building your credit a little more. 