What am I really getting into?

[Anonymous]

I used a credit union last night.

633 score EQ, 9.49% interest, rolled in negative equity and didn't have to pay a dime at signing.

Sounds like you did your loan through a dealership with a rate that high for your score. If so, you should have contacted the CU on your own. Most CU are averaging 5% - 8% rates....

[BigTek]

Since my last post, I applied with my bank (Commerce),  found 4 local credit unions and joined online. I also applied for car loans with 3 CUs and the 4th one told me they use Experians FICO score which is a low 551. They wont give me a loan...and I was also rejected by roadloans  

But I'm still getting calls from the dealers who are telling me they could put me in a car today. 

I'll check out what they're offering in August...