I had a credit score of around 715 but because my credit history was still relatively new no one would give me a car loan. I applied to OCCU and someone called me the next day letting me know I had been accepted with a low APR (4.24% for first time buyer). Keep in mind, I had 3 open accounts (1 saving and 2 checking) with Wells Fargo and they would not give me a loan. I applied to OCCU and didn't have an account with them. The process was easy and the customer service was very good! I will absolutely be doing another loan with them.