Digitalmike

I actually applied for the loan and was approved before joining. Once I was approved, I did the membership. They were very helpful about everything there - with that score, you should have no issue depending on DTI. Good luck So DCU pulled my credit on EQ when opening the checking account and that lower my score 3 points to 748. I will wait till next week when Ill get the pin and my checking account with DCU will be active. I don't have any debt so my DTI is 0%. Just my available credit is low as I only have 2 cards with low balance. I work and can provide pay stubs if necessary. Will keep you guys posted. Thank you for help. Anything over 680 I think will get you DCU's best rate - you should be fine :)I I'm Shocked by how smooth this went! I got approved on Tuesday after a phone conversation with the bank, wednesday i got the check in mail for the total value of the car. Saturday i picked up this beauty 1.99%!!! for 65months… for a used car! Finance manager at the dealer was in little shock when he saw my APR! I Love this bank! Thank you so much for help! It was a really plesant expiriance and will definitely use them again for years to come!

I actually applied for the loan and was approved before joining. Once I was approved, I did the membership. They were very helpful about everything there - with that score, you should have no issue depending on DTI. Good luck So DCU pulled my credit on EQ when opening the checking account and that lower my score 3 points to 748. I will wait till next week when Ill get the pin and my checking account with DCU will be active. I don't have any debt so my DTI is 0%. Just my available credit is low as I only have 2 cards with low balance. I work and can provide pay stubs if necessary. Will keep you guys posted. Thank you for help.

@ Semistatic. Thanks for the info. I just joined the DCU! Do you know how long should I wait before applying for the loan? were you a member a long time before applying for refinancing? My EQ just raised to 751. I'm actually looking for a new car loan with around 20% down for 55k car

Hi I'm new to this forum and wonder which bank or financial institution is using Equifax for used car loan. Im asking because my EQ is perfect not like Experian where i have 2 charge offs and score of 630 low limit util; 3% EQ 738 util: 3% low card limit clean record one installment from 2007 paid on time