Wow and extra wow, I just read about it and indeed this is the best route, I will possibly need to wait until 1 year for my CU to approve me as I need 4 Positive TL reporting for 1 year (at least thats what the lady said when I tried to obtain a loan for my dad). So i will suck up the high APR hoping by Dec 2015 I can request a Private Auto Loan from them. I will Use my tax refund and add it to my savings account with them in order to have a better and more secure relationship. I really thought this was not an option since I always thought to had an auto loan you had to work with a dealer. Great info here!!!
