So DW and I acquired a Honda Odyssey in October through Grow Financial CU(well, she did). At the time it seemed like a great deal 7.5% on $24,200. We were maxed on our CCs and needed the new car. Now things have turned around some and I really need to lower this payment from $420 to something a little more sane. I've read quite a few threads that seem to be in favor of DCU, but I've also seen the numerous INQs taken to setup membership, accounts and loan products. DW already has 18 INQ on her EQ mostly in part from the car hunt last year. Her EQ FICO as of today is 712. 1% utilization and the 18 INQs.
I'm just really looking for a solution that saves us money while we try to pay this thing off quick. It'll be house hunting time in about a year too. Should we do DCU and if so what's the best way to go about it? If not, what's your recommendation. Open to all reasonable suggestions. TIA.
Additional info: DW's AAoA was 5 years prior to last month, however 5 new CCs have reported since. Haven't checked new AAoA.
