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After reading some of the posts on here, it looks like DFCU has a good history of really good rates. I went online and applied to open an account with them. It's still in review after I upload my driver's license photo. Do they pull auto enhanced scores for auto loan approval? If not, are they good about approving with bad credit? Below 600?
They pull Equifax 04 model. Minimum FICO is 620. You need 680 to get the best rates. They are not a subprime lender.