On a 3 series BMW Financial is not going to be looking at or verifying your income. Def go ahead and exaggerate your income on the app. If you put $28k a year into the online credit app, it’s possible that they can deny you given you have little history.
The problem is your history.
- An actual human being is not looking at your credit and making a decision. It’s totally automated based on their algorithm for their credit underwriting risk.
You have a good credit score but like I said the “system” will look at your credit and either approve or deny you .
It’s sort of like when you get “preapproved” for a credit card. They kinda know your score and history.
I personally think you should be fine and get approved.