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I just hit six months on my credit history and my fico score is at 690, I make 27000 anually, only one card reporting always below 10%, employed for about a year, no derogs. My question is will I qualify for an auto loan for 15-16k with 2k down payment, if so what apr should I expect. Also I plan on trying BECU first as that is the account with my credit card.
I say you would get approved, for what rate not so sure. There's a chance you can get a decent rate. I know a first time buyer who got like 5%, but her credit profile might have been slightly more established.
In any case, if you get approved, make sure you make above minimum payments. You want to make sure you have equity in the car and your LTV is in a good range. That way you can refinance in 9-12 months.
You could try BECU, but if they don't give you <5%, try DCU. DCU doesn't penalize first time buyers. If your FICO EQ that they pull is 675+, you should get 1.24% for 65 months with them.