NASA Car Refinance

[Anonymous]

Has anyone had any experience with this product? I know most of us including myself have been getting approved for a super high limit card but will they approve a refinance for 25k just as easily? Credit is good just other banks dont like my 10+ inquiries for refinancing.

[Luscher]

You should post this in the auto section

[Anonymous]

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@Anonymous wrote:

Has anyone had any experience with this product? I know most of us including myself have been getting approved for a super high limit card but will they approve a refinance for 25k just as easily? Credit is good just other banks dont like my 10+ inquiries for refinancing.

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My credit is not great & they approved me for an auto refi.  I app'd on 09/25 and it's already approved for funding & I already signed the final electronic documents this morning.  So that's only like 2.5 business days.  They hooked me up with a ridiculous 3.19% APR.  But I have 8% DTI.  The only debt that I have is the car loan.  I have serious delinquency/derogatory but they're both paid and 6 years old.  So they are willing to look at you as a person instead of just a score.  

They did soft pulls for everything on my Experian.  Experian is my lowest score.  I did a huge app spree for CCs on 09/23 & then the auto refi with them on 09/25.  They still approved me despite the app spree.  But I have good income 6 years with company that is a partner with them, local company, so good name recognition with them.  I think they're being extra generous with me (they gave me $10k nasa cash 16.9%apr cc), so that I tell my friends at work or something.  

[Luscher]

DCU offers 1.49%. I got it no problem. I am not sure of your scores or income but I would look into DCU

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Has anyone had any experience with this product? I know most of us including myself have been getting approved for a super high limit card but will they approve a refinance for 25k just as easily? Credit is good just other banks dont like my 10+ inquiries for refinancing.

---

My credit is not great & they approved me for an auto refi.  I app'd on 09/25 and it's already approved for funding & I already signed the final electronic documents this morning.  So that's only like 2.5 business days.  They hooked me up with a ridiculous 3.19% APR.  But I have 8% DTI.  The only debt that I have is the car loan.  I have serious delinquency/derogatory but they're both paid and 6 years old.  So they are willing to look at you as a person instead of just a score.  

They did soft pulls for everything on my Experian.  Experian is my lowest score.  I did a huge app spree for CCs on 09/23 & then the auto refi with them on 09/25.  They still approved me despite the app spree.  But I have good income 6 years with company that is a partner with them, local company, so good name recognition with them.  I think they're being extra generous with me (they gave me $10k nasa cash 16.9%apr cc), so that I tell my friends at work or something.  

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What financial documents did they require?

[Luscher]

I refinanced and they asked for nothing. Maybe if its a new app they would ask for income

[afr4life06]

Wow that a good deal. Im thinking about going with refi through them also. So they used the same credit report to refi your loan? i was just approved for 4K with NASA and im thinking about taking advantage of the refi loan also. I just wanted to make sure it will not be a hard pull 

[afr4life06]

I found the answer in case someone else is interested. They will use the same credit report. I believe as long as it is within 30days