credit union for auto loan

[jj15]

I am JUST getting my scores out of the high 500s and into the low 600s. Can I join a credit union and expect to get a decent APR on a loan? I live in CA and all my research says I can expect to get a rate just under 15 percent. Do I have to join way before I want to get a loan? How does it work?

Message Edited by jj15 on 01-12-2008 01:04 AM

[Anonymous]

you can in most cases app and join at the same time. do you have any local cu's that pull tu near you?

[jj15]

I don't know which CUs pull what reports. I guess I can call around and ask.