Long story short: I need a vehicle ASAP so I went loan shopping even though my score is not yet optimized.
Current scores: EQ 699 TU 713 EX 709
Income: $24,000
Vehicle: $25,000
I called DCU first because it seems to be the go to place of almost everyone. After a few minutes waiting, an egent picked up, asked me a few questions, then ran credit check. I asked for $25,000, but their UW countered $18,000 at 1.74%, citing low income. The phone call took me a toal of like 20-30 minutes. DCU requires me to upload driver license, paycheck and purchase order before sending me the check.
Then I visit a PNC branch with 2 paystub, 2 years of W2. The banker there helped me calculate the terms, payment, etc... She was super helpful. Then she applied for $22,500 for me. And.. BAM, I was declined, and even if I was approved it would have been tier 2 at 5.xx% APR. She said it was due to DTI and lack of credit ("huh? I have $33,000 in available credit"). She said she was sorry and she was going to call UW to ask them to reconsider, and that I was a 7 year customer so she would try her best to get me approved and she would call me back later.... okay.... I guess.... their bankers was super helpful but I still left PNC pretty unhappy.
Going back home, I decided to apply for Cap One just because I was mad at PNC. 2 minues filling the short application, a minute waiting for them to process, another minute verify my identity, another minute of processing.. and APPROVED FOR UPTO $40,000 (1.99-8.11% depends on actual vehicle, loan amount and term). The best part: no additional documents needed. Cap One ROCKS. I have never had their credit card nor I intend to, but their auto loan products is surely awesome!
Verdict: Cap One, for my case, win by far and large.
Runner up: DCU. Low interest rate and easy process. Their loan amount is low but pretty understandable.
Last place: PNC ...stingy.... 
Thank you!! 
I am torn though... for the vehicle I am planning to get (2012 Audi A4 Premium Plus AWD), the lowest APR Cap One is going to give me is 4.27% (financing $19,000). I am planning to take the 5.24% APR (financing $24,000) and refi with DCU or someone else later. However, a very close friend of mine who buy cars a lot told me the dealership can probably beat 5.24% and under no circumstances should I take a loan with that high APR. So ... I don't know.
@Anonymous wrote:My story almost exactly, except DCU denied me as well.
Just make sure that the dealership you go to does accept CAP 1 - also make it exceedingly clear that you do not want them to try to beat Cap 1's rate, they most likely cant, unless you are gettin 0% on a new. The dealership does have you fill out a credit app to sign. I met with the finance manager in person and told her I under no circumstances wanted my rate shopped.
The auto navigator tool on the website is great, just pop in a VIN, and slide the circle thing around, or enter a final price to see your APR. I was able to use this as a negotiation tactic because I need the car to be a certain price before I could get 1.99, and I didn't want to put anything down.
Congrats!
2013 Audi A4 is like $30,000, and 2014 & 2015 are $40,000. I would say your van holds up value pretty well there. Good investment. Too bad that I am set on the Audi (and I can't shop around for much longer) 
DCU gave me $18,000 at 1.74% (they won't bugde, I tried), and I can't put much more down. So what I have now are basically $18,000 at 1.74% with DCU or $25,000 at 5.24% with Cap One. I don't know where else to shop for a better deal. Maybe I will let the dealer shop for me, I don't plan to obtain more credit for a little while so a few inquiries won't hurt (and I can explain with the UW that the inquiries are for auto loan shopping). Between those two deals above, I would probably take Cap One's then refi with DCU sometime later. Putting $7-8,000 down is going to empty my checking, and my savings are in investments.
@Anonymous wrote:If you add more down, does that change the rate, or are you at the lowest rate for that year car with that mileage?
When you put in the mileage, that also affects the APR, lower mileage and age lower APR, more down or lower price lower APR.
We were looking at 2012 vans with 32,000 mi and about $18,000 and the apr was about 4 ish, it just didn't make sense not to get new when the payment was about the same for a 2015 with zero miles and a $23,000 price tag.
I bet if you find a newer/ less mileage one, the rate will go down when you put the VIN and mileage in, in fact I am sure of it. When I put in 2012 models my APR was around 4, 2015 - 1.99 - made a huge difference.