Got approved for a $19k car can I still get a better rate?

[gsxr600k6]

I got approved for a $19k car at 12.7%. Payments are going to be around $400

TU is 601

EQ: 570

EXP: 586

Credit Card Utilization 44%

Income is $44k

Can DCU or any other bank try to beat that based on my scores?

Sorry if I posted similiar thread in the past but I need a car and I'm not looking to get screwed with interest.

[Creditaddict]

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@gsxr600k6 wrote:

I got approved for a $19k car at 12.7%. Payments are going to be around $400

TU is 601

EQ: 570

EXP: 586

Credit Card Utilization 44%

Income is $44k

Can DCU or any other bank try to beat that based on my scores?

Sorry if I posted similiar thread in the past but I need a car and I'm not looking to get screwed with interest.

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I actually think that is a great rate for sub 600 scores.

work on fixing things further and refi at 6 months 

[sccredit]

First get your scores up.  For your scores that is a great rate.  Once you get your scores up (shoot for 680) then apply at DCU.  Right now I think they would flat deny your app.

[gsxr600k6]

I usually wouldn't go and finance a car unless I really needed it. Hopefully I can raise my score significantly to the point where I can refinance 6-8 months from now. It will be my first car that I will be financing.

[Creditaddict]

Funny thing is my partner and I just financed a car and my EQ jumped 20 points when the new auto loan reported!

[Anonymous]

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@Creditaddict wrote:
Funny thing is my partner and I just financed a car and my EQ jumped 20 points when the new auto loan reported!

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Creditaddict what car how much?? I just got the new escalade leased it and my score dropped 10 points

[Creditaddict]

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@Anonymous wrote:

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@Creditaddict wrote:
Funny thing is my partner and I just financed a car and my EQ jumped 20 points when the new auto loan reported!

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Creditaddict what car how much?? I just got the new escalade leased it and my score dropped 10 points

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We bought a used Prius $26k

[Anonymous]

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@Creditaddict wrote:

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@Anonymous wrote:

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@Creditaddict wrote:
Funny thing is my partner and I just financed a car and my EQ jumped 20 points when the new auto loan reported!

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Creditaddict what car how much?? I just got the new escalade leased it and my score dropped 10 points

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We bought a used Prius $26k

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nice u have the best car on gas And i just bought the worst hahaha

[socal88]

I used to have an 07 escalade, stock except for wheels and tint. I averaged 8mpg. I personally believe those city/highway estimates are bs. I will never again purchase a large suv. I think I was spending like 20 dollars a day on gas and my job was only like 5 miles away. Having it as a daily driver you really feel the pain.

[Anonymous]

I know hubby wanted the new style the 2015 it cost about 135/140 to fill here in NY but he drives it I drive the car! lol