What FICO score does Navy Federal use for car refinance?

[GirlMelanie89]

Hi guys! I am looking to refinance my car loan with Navy Federal and wanted to know does anyone know which score they use? For example, do they use the FICO 8 score or do they use Auto scores? Im asking becasue my FICO 8 score from Equifax is 652, but my FICO auto score is only 592.

[MakeItAMudLight]

I'm pretty sure they usually pull the Equifax 05 classic not auto enhanced score which may actually help you.  Navy Federal doesn't always go purely by score though.  They have an niternal score.  I've seen people with high Ficos get pretty average auto laon rates from there while people with lower scores get great rates.  It's worth the one pull to see if you qualify and for what rate.  

[GirlMelanie89]

Hmmm...interesting. I'm going to wait until my utilization reports accurately and then apply. My FICO 5 is only 612 and I don't want to waste an inquiry. Thank you so much for your reply!!!!