auto loan rates

Derrick W asked:


I want to buy a newer car next year, but my credit is not the best. I”m currently rebuilding my credit, and my credit score should be between 620-650 when it’s time for me to buy a car. I’m current on the auto loan i have now and i have been on time for a year. However i was late numerous times before then, due to a job loss. I also have a credit card through the same company thats financing my car and i have never been late with the credit card payments. Matter of fact i have a balance of zero on my credit card. I’m also a member of a credit union, i get my work checks directly deposited into my credit union account. My car will be paid off in 8/2008, but i plan on paying it off earlier when i get my income tax check in 01/2008. I like the current auto finance company i’m with now, because they gave me a fair rate, eventhough my credit was’nt the best. Should i try to get my next auto loan threw them, or should i try to get it threw my credit union?

Fred