1. I'm not doing business with a CU, but I just got a auto loan approval from my CC. I didn't know there was a timeframe like you mentioned for auto loan inquiries. I'll search around here, but if anyone has more info, please share.

3. My plan was applying after because I just got a increase on my CC and was approved for a walmart card, plus I'm working on a 3 GW to send out.

Also I was thinking of using my tax return as maybe down payment. But this preapprovel thing got me thinking about applying now, plus my 94 accord with 300,000+ mile is a Oil-holic.

Is there a "Auto Loan 101" somewhere I can read over?