May I ask what you need a personal loan for? You got a auto loan to cover the installment loan part of a rebuild for FICO. If its to build credit. You dont need one. Welcome to the forums!
My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.