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Courtney_scott wrote:
Some people on here recommend going through a CU for an auto loan. Are they going to be more lenient as far as bad credit is concerned, than a traditional auto lender? My employer is affiliated with one. Will that help with getting approved? If I offer to have the loan payment deducted from my paychecks so they are guarenteed to get it on time will that secure me a lower interest rate? Thanks!
atlastontheroad wrote:I went to my CU today assuming that I would have to beg.Approved in less than 60 seconds of submission of the loan request.They only pull TU, which was 678 according to myFICO this morning. The CU told me that they saw 690. Got the lowest IR for a "used" car (2 years old, 28k miles) on a 36 month loan which I will pay off in less than 30 months. Plus, instant approval for an unsecured 5k visa that takes on the history of my secured card! Sure, it's only 4 months history but I'll take what I can get.Are they more lenient? I don't know. I do know that I have only been banking with them for 4 months but have made a huge effort to establish a personal relationship with the folks at the CU.They still won't give me a "Casual Friday" hat that they all wear. I'll wear them down (grin).....atlast....
WhirledPeasPlease wrote:HUGE Congrats!!!!! Ready to sail thru the summer now?
atlastontheroad wrote:I went to my CU today assuming that I would have to beg.Approved in less than 60 seconds of submission of the loan request.They only pull TU, which was 678 according to myFICO this morning. The CU told me that they saw 690. Got the lowest IR for a "used" car (2 years old, 28k miles) on a 36 month loan which I will pay off in less than 30 months. Plus, instant approval for an unsecured 5k visa that takes on the history of my secured card! Sure, it's only 4 months history but I'll take what I can get.Are they more lenient? I don't know. I do know that I have only been banking with them for 4 months but have made a huge effort to establish a personal relationship with the folks at the CU.They still won't give me a "Casual Friday" hat that they all wear. I'll wear them down (grin).....atlast....