How I have scored invoice pricing with 3.99% APR on my 370Z?

FuszNissan

First,
I think you answered your question with

"Ideally, I know I should wait until I feel out the new job, although I really enjoyed it during my previous internship, and then wait and save until I can pay as much cash for the car as I can. However, I do need a car, and I would hate to spend a considerable down payment on a car I don't intend to keep for more than a year and would depreciate considerably with my yearly mileage."

Second,
Your credit score won't drop if you have someone look at it. Now if you are shot gunned to 10 banks then it will drop maybe 10 points. 695 is not too low, but will be too low for 5%

I would wait and see what this job is going to bring for you first. With only student loans on your credit, you may need a co-signer also.

Lou

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LouFuszNissan
ZDAYZ 2012