So I call the dealer and tell them not to submit my loan docs because I'm using my CU. He calls me back a few minutes later to tell me he can now go 7.9% if I am willing to take the Platinum extended warranty and gap. Same payment as the CU, lots more coverage. Now I'll wait and see what the CU is willing to do.

cu probably gave you there best offer, my personal experience is they don't mess around and play games like the dealer does. I would take the cu, you get a better longterm relationship,

Decided to go with the dealer since the first car I bought broke down on the way home, and they gladly traded it out for another one exactly like it. They also gave me $300 worth of free VW stuff and knocked $1k off the total price. I'll still refi it in a year though

Nice dealing there!  Congrats on the new car and the perks that came with it!

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Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
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Congrats on the new whip!

Congrats!

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Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 777 EX 767 TU 771
App free since 4/11/12

W2G...congrats on your new car!!!