Auto loan--Ready to do eet!

[Tigremalo2001]

I have improved my scores and now I have: Exp 663, Equifax 685 and TU 646 true FICO scores. What are the chances to get a loan with Honda, KIA or Toyota? What apr should I get with those credit scores? My credit union said with them will be around 5.75%. Should I just go directly to the dealer to get a better deal? 

[marty56]

My experience is the CUs usually beat the dealer on the non-special finance cars.  I do know know what the credit tiers are for those auto makers since I finance through my CU.  I would call a/any dealer and ask if they have any finance specials and what the credit scores needed to get them are.  I would not do it in person since they will pull your CR first and then tell you after.

Worst case you could refi later when your scores are where you want them to be. 

[Tigremalo2001]

Thanks for your advice.