Over the past month or so I've been playing with the Auto-luv at NFCU, trying to see where that magic number was that required a 3-5 day wait. After they instantly approved me for a 43k auto loan (of course it was a HP, why do you ask?LOL) I got really curious. I got up to 20k without any issues then the other day asked for 22k and got the dreaded 3-5 day message. I guess I found the magic number. LOL! It was approved with no additional documentation but I haven't checked to see if it was another HP or not.
