Honestly I would apply to both and see what comes up and what they offer you. By them pulling all at one time it will only show as 1 inquiry instead of many. I think you have like 30 days and they will bunch them all together so if your not afraid of one inquiry id do it. Plus too you will be able to see if someone will offer you a better rate.
Starting Score: 574How many inquires do you have already? I just applied for a car loan and was approved I applied through more than a few though and it dropped about 6 pts because of so many of them. When they update their systems it will then be counted as only one inquiry. I wouldn't worry too much about it. They understand that you need to find the best rates or approvals. Most of the time our credit scores we see are not accurate it is just a rough estimate. They may see your score much higher or sometimes a bit lower. I had things on my credit as well about 4 months ago and cleared it all up too so it shows I have literally nothing on my credit. I found that I had a harder time getting a loan simply because it showed that I had no credit and my DTI was 0. When you apply definately look into a credit union first they are much more likely to lend since they are federal backed. To be honest they are much nicer as well. If you apply to a regular bank they can sometimes discourage you from still trying. Plus by applying to many at one time and only getting one inquiry makes much more sense than getting one and then trying again in a few months and getting another one. Also if you have a cosigner to back you that tends to make a huge difference because then they know either way that you will make sure everything is paid and if not then the cosigner will have to pay it. Good luck and let me know if you have any more questions!