09-25-2012 08:49 AM
I love this forum and have learned so much just by lurking. I joined NFCU last week. I am wondering if I would be able to get an auto loan there after my bk is discharged in about a month. Does anyone have any experience with this? What could I do to up my chances (set up direct deposit, open a secured cc, etc)
09-25-2012 09:10 AM
Honestly they may want to see at least 12-24 month post BK payment history before giving you the loan. I tried with my local CU and they requested the same. Once I get an auto loan I will be going back to them to refi. YMMV and blessings on your quest.
09-25-2012 09:27 AM
Thank you for the info!
Blessings to you too!
09-25-2012 09:50 AM
I would take 16k. I don't think I would want more, depending on the interest rate. What rate did they offer you?
09-25-2012 10:36 AM
This waiting game is the worst! I had my 341 in August. I'm hoping for a mid-October discharge, but I'll bet it will be towards the end.
09-25-2012 12:43 PM
What have you applied for and been approved? I want to jumpstart my rebuilding...but I'm afraid of the denials!
09-26-2012 04:18 AM
I've only tried Cap One and was denied. I believe this is because my debts from them being included in my 7 hasn't been discharged yet. I'll try once I receive my official discharge. I'm not applying for anything else until then.
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