In all reality, be prepared to be turned down. Credit Union is your best bet though. I have had my best luck with them. But I did have to threaten to move somewhere else to get a better interest rate on my car. One of the better things is that for $30 I can skip a payment. Helps immensely around the holidays. Most of our banking is through Kemba in Cincinnati. I also have an account at Wright Patt. Kemba has always treated us well just wish they were closer.