I'm thinking of buying a car but I have a low credit score (649). I have a bank account that I've been using for the past five years so I thought I would apply at that bank first, get a quote and then try a credit union. I know a hard check will cause my score to dip but I've also heard that within a fixed timeframe (2 days or something?) multiple checks count as one - is that true?
Also, any tips for getting a good loan with that kind of credit score would be greatly appreciated. It's a used car and I plan to get it from a dealer.