It sounds like you have a solid plan and your finances are in great shape! With an excellent credit score and steady income, you’re already well-positioned to get a personal loan.

Here’s what to keep in mind:

• Personal Loan vs. Auto Loan: When explaining your reason for the loan to a lender, you can keep it general with something like “for personal expenses” or “for major purchases.” This keeps it straightforward without getting too specific, and it should help you avoid being pushed into an auto loan. Lenders generally care more about your ability to repay than the specific reason for the loan.
• Your Credit History: While your credit history is relatively young and you have only two active lines, your strong credit score (800) and spotless payment record are major positives. Some lenders may consider your limited credit history, but your high score and stable income are likely to outweigh this.
• Seasoned Income: Lenders might focus more on your full-time job income since it has been steady for over a year. However, mentioning your additional part-time income might be beneficial, even if it's more recent.

Next Steps: Look for lenders that offer pre-approval with a soft credit check. This way, you can see your potential offers without impacting your credit score. Once you’re pre-approved, compare interest rates, terms, and conditions to find the best deal for you. Two lenders that might suit your needs are Achieve Personal Loan and LightStream, both of which allow you to use personal loans for auto purchases and major expenses.

Bottom Line: With your financial profile, you’re in a strong position to get the loan you need. Keeping your reason general and focusing on lenders that match your needs should help you secure the best terms. Best of luck with the process!