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@bs6054 wrote:
RonDawg wroteActually I did last year when I thought I was going to have to use it.. I had surgery and I was not sure how high the bill was going to run so I selected it and applied took about 20 seconds for them to come back and say I was approved with 14.5k and 9.25% interest rate. I really do like US Bank they tend to take care of their customers.
Is that fixed rate? The Northwestern site posted earlier has LOC at 7% but that is a variable rate.
I am not sure if you will find a LOC that has a fixed rate. Mine is 9.25% that is as low as they go with US Bank but on their PLOC they only have 9.25 and 13.25 from what I can see they don't even review my account so it may be fair to say it is going to stay at 9.25% but one never knows.
If your looking for a fixed rate loan its better to just get a closed end Personal loan that has a fixed rate besides they tend to be a lower interest rate then a LOC anyways.
@tennisfan78 wrote:
@RonDawg wrote:
@tennisfan78 wrote:Speaking of LOC, did you happen to apply for the USBank LOC? I have been thinking about applying for it too.
Actually I did last year when I thought I was going to have to use it.. I had surgery and I was not sure how high the bill was going to run so I selected it and applied took about 20 seconds for them to come back and say I was approved with 14.5k and 9.25% interest rate. I really do like US Bank they tend to take care of their customers.
Thats awesome. That is a pretty good LOC. Do you happen to remember if you applied online or at the local branch?
I have an expense of about $10,000 coming up, and I am thinking about my options between a personal loan and LOC. Even though the interest rate may be a bit higher, I am leaning more towards LOC. Hoping that I would get approved when i do apply!
Bump, incase Ron missed my post! Thanks
Also check out Northrop Grumman Federal Credit Union.
They currently have a great BT offer:
They also have a good cashback rewards credit card:
https://www.ngfcu.us/loans/mastercard.aspx
@bs6054 wrote:Is that fixed rate? The Northwestern site posted earlier has LOC at 7% but that is a variable rate.
The 7% from Northwest Federal Credit Union is actually an unsecured loan, not a line of credit.
@kevinjjc wrote:Also check out Northrop Grumman Federal Credit Union.
They currently have a great BT offer:
- 4.99% fixed APR for life!
- No balance transfer fee.
They also have a good cashback rewards credit card:
- 1.5% cashback on everything.
- No foreign transaction fee.
- It's a MasterCard!
https://www.ngfcu.us/loans/mastercard.aspx
Only a Credit Union lol
Actually I have a credit card that offered me -0- balance transfer for the life of the balance. They only sent it out one time, now we only get 15 or 18 months on that -0- balance transfer. I think they figured out they made a mistake the first time lol
@kevinjjc wrote:Also check out Northrop Grumman Federal Credit Union.
They currently have a great BT offer:
- 4.99% fixed APR for life!
- No balance transfer fee.
They also have a good cashback rewards credit card:
- 1.5% cashback on everything.
- No foreign transaction fee.
- It's a MasterCard!
https://www.ngfcu.us/loans/mastercard.aspx
I just love this forums
@tennisfan78 wrote:
@tennisfan78 wrote:
@RonDawg wrote:
@tennisfan78 wrote:Speaking of LOC, did you happen to apply for the USBank LOC? I have been thinking about applying for it too.
Actually I did last year when I thought I was going to have to use it.. I had surgery and I was not sure how high the bill was going to run so I selected it and applied took about 20 seconds for them to come back and say I was approved with 14.5k and 9.25% interest rate. I really do like US Bank they tend to take care of their customers.
Thats awesome. That is a pretty good LOC. Do you happen to remember if you applied online or at the local branch?
I have an expense of about $10,000 coming up, and I am thinking about my options between a personal loan and LOC. Even though the interest rate may be a bit higher, I am leaning more towards LOC. Hoping that I would get approved when i do apply!
Bump, incase Ron missed my post! Thanks
Thanks
I did apply online.
I never have time to visit a branch I am way to busy. I have found though that their personal bankers are very friendly and tend to go the extra mile for you.
Oh and I should also tell you that you do have a banking relationship with US Bank (checking) to get any of their LOCs. You can open that up online as well.
Thanks for the info Ron!
@tennisfan78 wrote:
Thanks for the info Ron!
No problem
https://www.usbank.com/loans-lines/unsecured/index.html
@RonDawg wrote:
@tennisfan78 wrote:
Thanks for the info Ron!
No problem
https://www.usbank.com/loans-lines/unsecured/index.html
Thank you. I am waiting for an inquiry to fall off on EQ in a week and then go for it.