Hello,
I opened an account with the credit union in my city today. They have some pretty good incentives such as a credit card that is serviced by them with no AF and decent rates, and also great rates on auto and mortgage loans. Today I signed up with the branch manager. They pulled my equifax score for their information (sucks because it's my worst score). She told me that it's 627 which is right around what this site told me. A little lower but it was also a few months ago. I asked about the loan for a car at around 10-12k and she said my interest rate at this present day would be 7.99 if i were approved. My question is, what would determine whether or not I was approved? I'm not looking to purchase a car right now but I will be in the next year or so. I've had my job for about 1.5 years. Any info. is appreciated.
Thanks,