Can't believe that I just got approved to up to $48k@ 2.79 for 72months. This is after Cap One approved me to up to 35k @9.79-13.29 for 72 months and Lexus financial approved me at the dealership @12.79. My credit scores are in the low 600s and my auto enhanced is 582. All I can say is thank you NFCU for giving me an opportunity.
Which credit report did they pull? I am going to be try to refinance my car in April and I'm not sure they will approve me. I'm currently building up off a repo from late last year. Right now my auto loan is with Santander USA with a 20% interest rate. I know bad but I had to start back somewhere. I'm just glad they used experian since the repo doesn't show on there. My score then was 626 probably has came up some since October. I know my Equifax is 549 right now. Thanks and congrats!!!
Since I did all this transaction from overseas (currently deployed in the middle east) I don't know which cb they pulled. I'l call them tomorrow and find out. All I know is that you should try. Good luck.