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Got instant approval for DCU Auto Loan for my requested amount of 20K and offered a credit card for 5k over the phone.
They only require my recent paystub and a membership application, of course. And the purchase agreement within 45 days (I will likely buy through Carvana).
They pulled Equifax FICO 5 (I knew score beforehand).
My score was 786
Income over 70k.
No derogs or BK7
1 education loan HP in the past year.
They offered me %3.74 APR with a promise from me to set up direct deposit within 90 days (they check every month, apparently). Agent said this was their top tier rate.
CC at %10.75 APR
An overall seamless process that only took 10 minutes.