When you say your scores are low because your new, do you mean you just got a credit score or your new to trying to clean up your reports because in my experience people just getting a credit score are usually really high until you apply for a million cards and carry a large balance on a low cl.
What is your question about a credit union.
Down payment of 20% usually helps you get approved but you might need even more if your score don't come up and you have never had a car loan before.
What open credit do you currently have?
