Ascend Federal Credit Union

[Anonymous]

I'm repairing and looking to use a CU to finance my next car. Anyone live in Middle TN and have experience with Ascend FCU. You can get a rate as low as 4.25% max IR is 18%. You get .25% reduction for automatic payments. There's no waiting period to apply for a loan. I've heard they do "character lending" if the scores are not good. NE 1 have experience with them? If so, what kinda score you need to get any approval?

[Anonymous]

I have use two auto loans with Ascend (AEDC) since i started with a 580, I didn't expect much since all other dealership and leaners turned me down. But, the will not drop interest rate after receiving loan with the second car. I'm still locked into low score with other dealers running 30+ reports before going to ascend. I believe they do a great job, but will only loan upto N.A.D.A rates on pre-own cars. Meaning if its new the will finance all, but used only 70-80 percent NA

. The member of the CU will have to pay difference. Please haggle over rate before getting locked in the are like turtle to change their rates.

Thanks,

571EQ, 580EX, 580 TU

not good for lower rate.

[Anonymous]

Thanks a bunch, Profox! Remember which report they used? Or if they averaged all 3? I know the rate you get is based on your credit, just not sure which report

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@Anonymous wrote:

I have use two auto loans with Ascend (AEDC) since i started with a 580, I didn't expect much since all other dealership and leaners turned me down. But, the will not drop interest rate after receiving loan with the second car. I'm still locked into low score with other dealers running 30+ reports before going to ascend. I believe they do a great job, but will only loan upto N.A.D.A rates on pre-own cars. Meaning if its new the will finance all, but used only 70-80 percent NA

. The member of the CU will have to pay difference. Please haggle over rate before getting locked in the are like turtle to change their rates.

Thanks,

571EQ, 580EX, 580 TU

not good for lower rate.

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[Anonymous]

Ascend only use Equifax beacon scores: They will pull only once, if you want to do a small signiture loan then repay. They will be more than willing to help. I suggest if score is higher try Old Hickory Credit Union with 4.99% until end of October. They also pull from Equifax only.