i bank through wells fargo just because they are everywhere. i also have an account with a credit union down in arizona, not much good it does me now. i called and to get a loan through them, would be no less than 2 weeks. ouch!

so now the question is: do i get a loan through wells fargo whose rates seem to start at 7.59% or close my credit union in arizona, and go through one up here that starts at 6.81%.

my credit: i've gotten a loan when i was 20 for the alero that my dad co-signed on. i paid every bill early (besides being terrified of my dad and his threats if i didn't pay it, he also pounded into my head good credit) and sold the car when i moved here. that is my only car experience, i had that loan through GMAC and at 6% interest. otherwise i would guess my credit is good, if not excellent. hopefully this means i won't have to have someone co-sign on a vehicle again after having that one for about 3 years i think.

i feel so lost!