- Graduation from an accredited college or university with an undergraduate, graduate or Associate's degree earned within previous 24 months OR eligibility for graduation within next 6 months with a verifiable offer of employment.
- A copy of the graduate's diploma or official transcript.
- POI or employer letter with the Human Resources representative's contact information, stating position/title, and income.
- At least 6 months of credit file - no previous derogatory credit on any trades.
- Gross debt to income ratio of less than 45%.
- Gross automotive payment to income ratio of less than 20%. (See Trims)