Spent lots of time in the F&I office and I asked a lot of questions. He said 12 mos-24 mos of actively getting great credit, Installments secured at your bank, credit cards etc should easily generate a mid 600 score. Push away all the bad credit from the bk and load the model w/perfect pays. Here's my question: He told me somethig very counterintuitive: he said that in getting a car loan the rate is no longer really determined by equity (10,000 car, but only finance 5,000) or so. That the rate is more on raw scores. Any feedback? There's no reason for him to lie to me, but it seems very strange. He did say that credit unions are still more sensitive to equity requirements. Do you guys think that normal channel lenders aren't that sensitive to large down payments when determining interest rate?