DCU

[NLYTN]

I'm looking to apply for an Auto loan through DCU and I was wondering if I should join first or just apply for financing? Does this make a difference?

Off topic question: Does anyone know of a credit union or bank that pulls EQ auto scores?

[EddieK]

Most people recommend joining first, then applying for a loan product.  I did the opposite, I applied for the auto loan first.  My thinking was if I didn't get approved, I'd save a HP.

[Charger2014]

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@EddieK wrote:

Most people recommend joining first, then applying for a loan product.  I did the opposite, I applied for the auto loan first.  My thinking was if I didn't get approved, I'd save a HP.

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So did you get approved? Lol

I am waiting until the 27th to apply, by then my utilization should be below 30 %

[EddieK]

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@Charger2014 wrote:

So did you get approved? Lol

I am waiting until the 27th to apply, by then my utilization should be below 30 %

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Yes, a couple of times...first back in December, but didn't find the right car and just recently was approved again, still searching for the car, hopefully next week while I'm on vacation I'll find it.

Good luck on your approval!

[Charger2014]

Thanks!
Can you share what kind of rates you got? Also credit info.

[EddieK]

The first time, 1.49% w/ DD or 1.99% w/o.  This time, 1.74% with DD and 2.24% w/o.

Pulled 692 EX first time and have no clue this last time, but know they pulled EQ, which they do almost 100% of time.