NFCU FAN CLUB FAN#1
NFCU is likely to consider all of your military entitlements. It will also make a difference on how long you have served and remaining service time. They are very liberal and have a lot of experience in dealing with the challenges of loans to military personnel. I would say just go for it with the application, assuming your credit profile is not totally trashed. If there is any problem with what you are asking for in terms of amount, etc. they will work with you as to what you can qualify for.
Starting Score: 500'sDepending on what you mean by a large down payment you should have no problems with NFCU. A mid to low 600 is not the best FICO score but a 20% or thereabouts down payment will cover that. And having the previous auto loan history will help. NFCU does not use Auto Enhanced scores but they will take note of the previous loan. And your time in service should also be a positive factor. I wouldn't sweat the application.
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