Have you tried prequalifying on Capital One Auto first? That will give you a good idea on what interest rate you might get. If you don’t qualify, I would wait until the 6 month mark to get your credit score and then pull a full 3 bureau credit report & scores. You can get some free trial ones or you can pay. After that, try DCU. They give auto loans for limited history like yours. There are many other factors that are important to consider though, like your income, DTI, how many other credit cards you have, etc. You should also try to put down a bigger down payment (like 20%).
Capital One Auto is a soft pull. The first time I did it, I only had one credit card and was denied. I got a second card and waited a month, tried it again and got preapproved. I can’t say the same thing will definitely work for you but I think it will help. They want to see that you can handle multiple tradelines. Discover & Capital One credit cards have prequalifying application websites using soft pulls so you can see if you’ll be approved first.
I put a couple of small charges on each, let a small amount report, and then I pay in full. I do this every month.
Did you try Capital One Auto yet? Try that first to see if you qualify. Getting a new credit card takes 1-2 weeks to get, then you have to use it, and it takes a few weeks for it to show on your credit reports. That’s why I said at least a month. Ideally you should have at least three credit cards total at some point. If you apply for an auto loan through a credit union like DCU, ask them to use the same credit check to apply for a new credit card. That’s how I got my third card.