Hi Courtney -
Do you belong to a CU? If so, can you print out your CR and take it with you to see if they can eyeball it and give you a rate?
Many dealers use an auto-enhanced fico score, so you should come out a little better rate-wise, compared to just going by your regular fico.
There's another option -- get the car now w/ a high IR, then refi it when things are better.
I'm sure others will chime in -- Good luck!
-P
~*~*~*~*~*~*~*~*~*~*~
From 700 in 2008 to 498 in 2012...
4/23/12 -- BK 13 date of filing EQ = 505
4/18/12 -- EQ 498
Here we go.... back on track.
