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"Manual Underwriting" for Auto loans?


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Anyone know if such a thing exists anymore? I just find it hilarious, that in my particular situation, the only negatives I have on my credit report are a few unsecured credit card charge off's, and maybe 2 to 3 collection accounts as a resultant thereof.

I've been continuously employed with a good salary for well over 10 years, have had several mortgages and auto loans spanning those 10 plus years, none of which where ever late.

Yet somehow, I can't even get a decent auto loan for a 6K secondary vehicle... lol

Yeah, those scoring models are great....

Anyway, I was just wondering if there is such a thing as manual underwriting anymore. If I was loan officer, and someone like me stepping in looking for a loan, sure I can see a SLIGHTLY higher than prime rate, but I'd be a really good risk....

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