18 year old trying to get financing

[Zackary R Drago]

18 trying to get pre aproved for a loan

my experian fico score 8 is 675

i make 5-6k a month

i have around 15k cash 

8 months of history at current employer

3 years of total employment history

any tips before i barge into the bank and they run my credit and i take a hard hit for no reason

[Zeke Liston]

Thanks @Steven Foster Wilson! It seems as if you're on to a good start @Zackary R Drago. Before you apply for a loan I would talk to the lender and be upfront with them. You're likely going to need a co-signer. If that doesn't work out look into private money and hard money.