Basically I have been using Credit Karma for a while and they suggest Lightstream for an auto loan ... next being Bank of America... but in forums I hear a lot about Alliant and also... penfed? Difference being that I want to buy a CPO. Any suggestions on who to go to? I am located in Los Angeles California.... I'm not connected with any credit union . Also what kind of down payment should I offer? I know the most you can provide the better or better yet buy out the car in cash but... I can't buy it out in full cash, so down payment? My credit score is not 800 but not below 750. I guess it is average but I do have a short credit history ... a little over a year but not quite two years. I know I should have done it earlier its a huge mistake. Added note: I tried to apply with US bank for my nissan leaf auto loan and got rejected so I don't expect much from US Bank though I hear they are the best. My leaf is fully paid and I am the owner.