emshook wrote:
I was thinking about going to a credit union first. There's probably no way I would qualify for the specials with 0% or 1.9% financing, is there?
That one is a toss-up question, but if I had to guess, I'd guess that you have a better shot at a premium tier with a captive lender as opposed to a credit union. You can always try both and choose the better package.
Inquiries for auto loans within any 45 day period count as a single inquiry for the purpose of calculating your score, so you have some leeway to shop around. I'd shop it to the credit union and have the F&I guy at the dealer shop it to all of his buyers. See what comes back.
FICO scores: 819 (EQ) 815 (EX) 803 (TU)
Amex Platinum NPSL - Citi HHonors Sig. $42k - BMW Ultimate $36k
Chase Sapphire Preferred $42k - Merrill Lynch + Signature $33k - USAA Rate Advantage $20k
NFCU Flagship Signature $33k - USAA Cash Rewards AMEX $20k
Citi Platinum Select / AAdvantage Signature $23k
