No not really strict. They approved me when my EQ was around 670 with foreclosure reporting.
DCU is doing 1.74 up to 65 months. I'm not sure on there criteria.
I know PenFed gives you a standard rate. They don't use tier ratings like most places.
I'm in the process of looking for an auto loan myself.
So far PenFed and DCU are giving some great rates if you qualify.
PenFed will welcome you IME with open arms. 700 will get you the best rate they offer. 2.74% on 72 months.