Ready to Refi - Need Lender Suggestions

[Anonymous]

Hi all,

I am ready to refinance my auto loan from NFCU's 10.09% rate down to something much lower. My standard FICO 8s range between 703 and 710 whereas my FICO 9s are still lingering in the 690s. My FICO auto 8 scores are all over the place with EQ being the lowest at 660 and EX being the highest at 730. Cap One refi preapproved me for 6.8% over 60 months which is a start, but I think I can do better. 

Thanks!

[sccredit]

DCU?

[Anonymous]

DCU has some great rates! Any pointers on where I might stand with my current scores? 

I also checked my FICO Auto 2 score, that's in the 680s currently. I'm hoping to see a small increase with my NFCU Flagship paydown from $2600/$5900 --> $200/$5900......

[dunn2500]

i just did this.......find your highest score and find a lender who uses that scoring model......i was 670-690 but my EQ F9 was 740 so i found out pen fed uses that model....i received a 4% loan from them......my original Navy was 8% but they use TU now which is my worst so.......sure everyones i different but if you can match your best with an institution who has low rates should be a win win

find  lender who uses your 730 EX score...would think its your best bet

think DCU uses fico 5 but not not 100% sure.....there is nother thread on here about their scoring model for autos, maybe check it out