do you have any other cards that are effecting util. 

with a 572 its kind of rough. 

what cu are you a part of? 

ask them if you put down 4-5k what rate they would offer you? 

Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13) Starting total revolving credit: $2600 | Current total revolving credit: $21,600 Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012

2013 Goals: Freedom Signature Costco:True Earnings

Amex Zync(Unicorn) Chase Freedom$1500 Citizens Mastercard$5000

Thanks for the reply.

I'm with Coastal Federal Credit Union here in North Carolina. I also have a secured credit card with them that I've had for 5 months. Should I bring a copy of my credit report with me to a branch and have them look it over before I apply?

Have you tried to clean up your credit?  A few points in your score could help a lot.

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Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

I have, I paid off three collection accounts in June although they all turned down my GW letters. Are there any lenders that would approve me other than Santander? I wouldn't particulary mind a higher apr as I would eventually refinance. 

I would try your CU first.  They seem to be more lenient.

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Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

I would just go with Santander, thats probably your only shot.

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duckling5540 wrote:

I would just go with Santander, thats probably your only shot.

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Santander is a last resort, not a first try.

There was a time I had scores in the mid to high 500's and had a loan from Wells Fargo Dealer Services at 10% and Ally at 10%.  Only go to Santander if you absolutely have to.