Just refinanced my 15% auto loan with DCU!!!! At a 5.74% for 65 months! Lowered my payment by $140 and shorten my loan term as well! They pulled a 636 Eq score, I have no collections, 4 year old bankruptcy, uti at 80%, about 50 inquiries most of them will fall off soon, and 80k income. LTV for close to 120%.
Also got approved at NFCU at 10%