Unless the factory is running a special, usually the best place to get a car loan is from a credit union. You should check with your Northern Virginia credit union before you shop for the car.
After bankruptcy, when you are rebuilding your credit, you should make a point of joining a Northern Virginia credit union. Two years after bankruptcy, you should be able to get an ok car loan from your credit union. Three years after bankruptcy, you should be able to get a very good car loan from your credit union.
Here are some Northern Virginia Credit Unions you should find out more about.
Geographic Northern Virginia Credit Unions
Apple FCU
Apple started as the credit union for Fairfax teachers, but now anyone who lives, works or worships in Fairfax, Prince William, Manassas or Manassas Park. Apple has locations across Northern Virginia.
Arlington Community Federal Credit Union
If you live, work, worship, volunteer, go to school, or consistently do business within Arlington County, Virginia, you are eligible to join.
Commonwealth One
Commonwealth One FCU is open to anyone who lives, works, worships, goes to school, or volunteers in the City of Alexandria, VA (specific areas).
Fairfax Credit Union
Fairfax Credit Union is also open to everyone who lives or works or worships in Fairfax County.
NSWC Federal Credit Union
Anyone who lives, works, worships, or attend school in the City of Fredericksburg.
University of Virginia Community Credit Union
Anyone who lives, works or attends school in Fauquier County.
Military Affiliation Northern Virginia Credit Unions
Northern Virginia has multiple credit unions for people in the armed forces or work for DoD. That includes Navy FCU, PenFed, and Marine Federal.
Other easy to join Northern Virginia Credit Unions
As far as I can tell, there are no geographic credit unions covering Stafford, Spottsylvania, King George or Loudoun Counties. (Loudoun FCU is limited mainly to government employees in Loudoun.)
Here are some credit unions you could arrange to join.
PenFed
People with no military affiliation can join PenFed, officially Pentagon Federal Credit Union, by joining the veterans support group, Voices for America’s Troops, with annual dues of $14.00. I see PenFed advertising their car loans on national TV. “Penfed has great rates for everyone.”
State Department Federal Credit Union
Anyone can become eligible for the State Department Federal Credit Union by joining the American Consumer Council. Dues are $15.00 for a lifetime membership.
Tower FCU
Started at Fort Meade, Tower is the largest credit union in Maryland. However, some Virginia car dealers place car loans there. You are eligible to join Tower if you live in Virginia and make a $10.00 donation to National Cryptologic Museum Foundation.
There are some times when you might want to be a member of a Credit Union that does NOT have branches in Virginia.