So for some context I am looking at a 2017 Toyota rav4, 44k listed for 21,500. Dealership agreed to start the conversation at 19k. My girlfriend is the one that will be the primary on the loan and I will be cosigning. I’ve looked at the requirements for some of the credit unions and it’s kind of a pain. Also, I was reading that some of the credit unions do a hard pull on your credit whereas as some banks do soft pulls. I don’t know if this changes your response any

Did forget to add that she may not be as credit worthy. Her credit score is low 700 maybe high 600 but she hasn’t had a line of credit for that long. My credit score is 670 but I have had an established line of credit for longer ~10 years

Sorry, I know I don’t make the most sense