@antdogg wrote:
I would like any comments on this: I make around 80K a year, with 10 years on the job. Have an FHA home loan for about 3 years now. 3 credit cards. Moderate limits 1K -1500. 1 baddie which BofA played games with me when I tried to pay it off. They said it was in limbo and they were trying to sell it. A $356 charge off credit card. So they refused to accept payment. Stupid I know. Which is why I left them years ago. I have a car that will be paid off in February. A 2007 Saturn. But it is on its last legs, and I'm not sinking any more money into it. My credit score range is 634, 651 and 669. Where is a good place to apply for an auto loan. I'm with Wells Fargo for 9 years. But just opened up a credit union account with Wescom. Wells Fargo fraud department is a joke. And their loan department is even worse. So if anyone has a suggestion, please
chime in. Thanks!
I don't know anything about Wescom, but a credit union would be my first choice. Get pre-approved from your credit union for the auto loan, then go to the dealership with an ace up your sleeve. They will usually try very hard to beat your CU rate, or you can just ask the dealer what their best rate is for your credit scores and go with your CU financing without incurring any hard pulls. Some makes and models do offer 0% financing, but you need to find out what Tier rates are to qualify for that because you will be very borderline at best to get their best rates with your current scores. Keep in mind that an auto enhanced(auto industry option) Fico could also boost your current score if you have a good(clean) auto loan history, but not all dealers will use that score. But I still think your CU is the best place to start! Good luck.
