New Visitor
Posts: 1
Registered: ‎12-25-2012
Auto Load with a local credit union what question to ask

Hello everyone:


 I am in the market to buy a new car. I walked into a local credit union to ask for auto loan information.

The financial service staff told me that their loan doesn't have APR, application fee and service fee, the loan only has inerest rate.


1. Could you give me some suggestions as to  what kind of qustions to ask to ensure that I receive a good deal from the credit union / lender?


2. the credit union pulled my credit score by using CREDCO (a hard inquirey) my score dropped by 2 points. I am wondering if it is possible by ask the credit union to pass my report to the dealersship, so they can share my credit report without make another hard inquirey.


Your insights are greatly appreciated. Thanks!