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I know its been a while but I did end up getting approved by a local CU (Fairfield County FCU) @9% for 30k... Very excited, have the new car... Now its time to get my credit in order, so I can refi in 6mo-8mo. I have already spoken with a local credit union(Mutual Security FCU), and they advised me that they do second chance auto loans @1.49% for credit scores over 671, so that is my goal... So 30-52 points in six months. Is this possible? I understand this is not the place to ask but where do I start reading?
You guys are the best! Thanks for everything!
Whoops...unhelpful post. Edited to delete.