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Okay, it's been a while since I took out a car loan, so maybe everything's changed lately.

Things have changed. I know that I have often received emails from my credit union that I am pre-approved for a car loan, and when the time came to get one last October, we were already pre-approved so it was a pretty easy process to get the loan.

Also, I knew what I could get at the credit union, and the dealership did not have anything better, and also used my credit union as one of their lenders, so I still ended up getting the loan at my own credit union.
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