Reply
Established Contributor
jordanmedical
Posts: 1,011
Registered: ‎04-08-2012

NFCU

What score do I need to get their lowest 1.79 rate for new cars?

 

Anyone go through preapproval with them?

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Mega Contributor
Creditaddict
Posts: 18,984
Registered: ‎10-23-2007

Re: NFCU


jordanmedical wrote:

What score do I need to get their lowest 1.79 rate for new cars?

 

Anyone go through preapproval with them?


it's not going to be just score possibly... but you should be pretty close I would think.

pre-approval is usually quick... possibly even instant... just do it online.. if you have a condition for income verification or something you would probably still see amount and interest rate but wouldn't be completely approved until they verify what they want.

Fico Scores: EQ 657 Cabelas, TU 653 Barclay, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Express $300
Over 30 Cards in between :smileytongue:
Established Contributor
jordanmedical
Posts: 1,011
Registered: ‎04-08-2012

Re: NFCU

Thank you. My score has dipped a little due to utilization and a collection (my only one) so once I get it back up I will apply. I'm hoping when my new mortgage reports, it won't hurt my score.
-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Community Leader
Valued Contributor
azguy13
Posts: 5,375
Registered: ‎04-30-2013

Re: NFCU

Good luck! Keep us updated. I am going to try a new auto loan through NFCU in December. 




NFCU Flagship $25,000 I AMEX SPG $23,000 I Chase Sapphire Preferred $17,500 I Discover IT $12,000 I

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+