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First I just wanted to thank everyone for the suggestion of using PenFed. After using the Mortgage board for several months and successfully buying a house in April, I have been stalking this board.
PenFed was so easy. short application and credit check and I was approved. Waiting to get a purchase order from the dealer tomorrow so I can upload it to PenFed and they will overnight the money to me. Way to simple.. no pay stubs, tax info, nothing (when I bought my husbands truck last year, the dealer wanted so much paperwork I thought I was buying a house).
So I just wanted to let everyone know of my easy experience with PenFed (auto scores mid 600's). Thanks again!
Thanks for sharing your positive story! I agree, PenFed is my favorite Credit Union and have treated me very well.
Amazing and congrats! Enjoy your new car..
Does one only find out their auto score by applying for an auto loan or is there another way?
@Anonymous wrote:Does one only find out their auto score by applying for an auto loan or is there another way?
The 3-bureau reports from myFICO with 28 scores, or whatever the number is, include auto scores from each bureau.
Wow congratulations!! May i ask, what were your scores? What did they pull for auto loan score wise? How much were you approved for? I'm hoping for 35-40k with 700+ score. Do i choose how much i want to get qualified for or i let them know what car i'm interested in? How did it work?
@Anonymous wrote:Wow congratulations!! May i ask, what were your scores? What did they pull for auto loan score wise? How much were you approved for? I'm hoping for 35-40k with 700+ score. Do i choose how much i want to get qualified for or i let them know what car i'm interested in? How did it work?
Kevin i told u Penfed uses EQ Fico 09 no auto just straight Fico
Awesome!! Congratulations! I have 2 auto loans through Pen. They were both refinanced from the initial bank that financed me but you are right...the process was easy as pie....congrats again...
When you fill out the PenFed application they will ask you for the amount you would like. I would go to the max you think you will need and if you negotiate a better deal or get a less pricey vehicle, your same loan can be used. It will be good for up to $45,000. I always call from the dealer to ensure the vehicle meets their lending criteria before signing things.
AWESOME! We have a branch not too far from the base; did you apply online or go into the branch? Mid 600s gives my wife hope. What was your interest rate?