I called in to NFCU and got approved within 10 minutes for up to 43k.
If you want a volvo, check out the overseas delivery program... Nothing beats a free trip to europe!
I used my NFCU loan for 45k to order the new volvo and got the xc90 and paid the TTL and almost 4k out of pocket. Here is the thread: http://ficoforums.myfico.com/t5/Auto-Loans/Ordering-a-Volvo-from-Dealership/td-p/1640326/highlight/t...
also visit flyvolvo.com for more information on the overseas delivery program! You can also get colors and options not available for cars in the US