NFCU Loan Approved - 4.09%

[sbcalc]

What would the FICO scores have to be to get a used car loan through NFCU? My debt to income is good, have a 4yr car loan recently paid off with no later, and my income is $4000+ per month. My recent FICO scores are EQ 651, TU 637, EX 625. I expect these scores to go up a bit in the next few weeks due to paying off 3 credit cards. I also have a 5yr old paid public record for an old landlord that sued my wife and I. Other than that I have no baddies, just short credit history. What would my chances be getting a loan through them for $25000? Thanks in advance

[Anonymous]

Sbcalc, I refinanced a 2014 Accord that we owe 24k on for 4.29%  (72 months) with NFCU and our scores are not quite as good as yours and have  a similar history.  NFCU is about as easy to work with as possible so it doesnt really hurt to apply other than the HP.