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I also think there's a good chance you'll qualify with DCU. They seem more interested in your income, and $50,000/year is a good income. They might even approve you for a credit card at the same time with the same pull. If they do, immediately ask them to review for a CLI.
I just applied for an auto loan and got approved. They also offered a DCUVisa Platinum with $5,000 limit at 8.5%. I told them i would consider a new CC and exclusively use their card only if it has a $20,000 limit. They countered with a $15,000 limit.
ok thanks for all the help. i will keep everyone updated. i will app around the 15th of august
update! dcu approved for 31k then backed out because they didnt like the car dealer ? i got so fed up with them applied at nfcu boom instant 47k limit next day recieved check. im never going back with dcu.
i dont know? they said the the dealer was to far 460 miles? then they just told me i had to start the app again. i said no thank you went online at nfcu instant no verification
next day check at my door step, another day later car is in my garage