By only having 1 credit card reporting a balance, you should get a few more points. I got a 5.9% loan with fico 8 scores around 650 though my auto enhanced score was 690 which was used for my approval. Went with Chase through dealer though Capital 1 approved at similar rate.
For <1%, I wouldn't bother. I'd try again in 6 months for better when I assume your scores will have improved more.
Current FICO8: EQ:782, TU:754, EX:767 | 1x 30 day late 6yrs ago
AAoA: 10 years;
AAoOA: 13 months;
Credit Length: 21 years
INQ Eq: 3 / Tu: 5 (4 for auto) / Ex: 9 (5 for auto)