I purchased my first new car(2014 Jeep Patriot) in December of 2013. Unfortunately it was the same year I filed Chapter 7. Chrysler Capital approved me but with a 21% interest rate. I sucked it up and paid on the loan for 6 months and was able to refinance with Notre Dame FCU at 12%. After finding out my wife and I were expecting a new baby we started looking for a larger vehicle. I applied online with NDFCU and was approved for $35k @8.99% which I thought was great. Then a loan representative called me to request some documentation. I asked her again what the rate was and she tells me that my score(651 Transunion) would secure me 5%! That's a 16% drop from a year and a half ago!!! I'm so grateful for them and am picking up my second new car(2015 Dodge Grand Caravan) tomorrow morning 
Starting Score: TU 649 EX 632 EQ 603(6/15)