Let me start by saying I haven't had an auto loan in a LONG time. Paid the last one off around 2004. Started cleaning up my credit about a year ago, I'm sitting between 726 - 730 FICO 8 (704 FICO Autoscore 2 & 706 FICO Autoscore 8) depending on who they pull. I'm picking up a '19 Chevy Trex for $14k for my wife. Trade in value is $19k-$21k so I'm in good shape with equity. I have an account with NFCU but don't use it, primary checking is WF. Does anyone do preapprovals including rates with soft pulls? I don't want a bunch of HP showing up. Given my scores who would you recommend for the best rates? I'm thinking of a 24 month term but may go to 36. Either way isn't a big deal, DTI is very low. No other loans, cc's are PIF monthly so it's basically the usual monthly utility payments. Reports are clean, only issue is short history and 4 cc's since last Aug. 5 if the AMEX Plat ever shows up on the reports, lol.
