Why am i getting denied for an auto loan with good credit?

I have a 737 fico score for my credit card history. I had my credit checked by kia and they had my auto score at 723… Even tho i never purchased a car before. I went to honda and almost bought a car. Honda also approved me with a credit score check at 694. But when i went to my credit union to get an auto loan they denied me because I've never had auto loan history they said. HOW DO I GET HISTRY YOU DON't APPROVE ME? What i don't understand is why a credit union would deny me for $10,000 while dealerships would approve me of $22,000? Am i missing something?

Yes, a sensible credit union.
You can't borrow money for a car because you've never borrowed money for a car. Do they say it with a straight face?

Different lenders have different underwriting standards (which is why you shop around a bit). In this case, obviously the credit union you went to has stricter standards, so you go back to Kia or Honda and borrow through them.

Because you are applying in the wrong place.

The answer to your question "HOW DO I GET HISTRY YOU DON't APPROVE ME?" is that you get history by getting a loan at the place that did approve you.

Then, after you get a loan at the place that did approve you, and after you get history from that loan, if you still want a loan from the credit union, you apply there for your second loan, not your first one.

Yes, the dealerships are willing to take a risk on you because they will be charging you a higher interest rate. Secondly they are in the business of selling cars and with out loans they don't sell them

Comb your hair when you go on to apply for the loan.

Do you have a checking account with the credit union? They usually only loan to members. Do you have a long account history with the credit union? If so go to the loan officer and show the monthly payments you make from your account; ask them to review the accounts that make up your credit score ask him to send your request to credit committee for reconsideration.

The credit union loan is generally lower cost, if you can get it. The dealership loan costs more, trust me, they can manage to work it into the car price. Therefore, the dealership can take more risk. And if they need to repossess the car, they are set up to re-sell it. A credit union would go through a third party to dispose of the car, more trouble for them.

I'm pretty sure you are missing one or two important details with this. But I'll take a stab at it anyway.

Your credit union is probably denying you because they're not interested in the car - they're interested in making money off the loan. Meanwhile, the dealership is interested in making money by selling you a car, which won't happen without a loan, so of course they are going to be more flexible.

You should probably go with the dealership's offer if you like the car and the terms aren't outrageous. You need to do two things: get an idea of what's a reasonable APR, and make sure that you can actually afford the monthly payments, plus insurance, plus gas. Remember that you can refinance every year, assuming that you are always on-time with your payments. It's not that bad to go a little higher at first so you can actually get approved, then lower the rate each year afterward while paying off the loan.

Oh yeah, you also need to be prepared for maintenance. Check out how long the warranty is good for, and getting something extra (say for the duration of the loan) for a couple thousand more, may not be a bad idea.