[RedRiver]

Downpayment will not disqualify you from being initially approved in my experience. I do all the financing here at our dealership and if you need $xx.xx down to get approved Agricredit will tell you.

The main things they look at are bankruptcy, late payment history, charged off credit cards, tax leins, etc... 9 times out of 10 if someone gets declined they have one or more of the above showing on their credit.

If your dealership uses the online credit approval system they should be able to get you approved even if Agricredit isn't open unless there are things that a real live person needs to check first, this often times happens when someone has borderline credit or things that need to be approved by a manager.