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NFCU personal loan question

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DSW89
New Contributor
‎01-13-2013 06:37 PM
‎01-13-2013 06:37 PM

Re: NFCU personal loan question

My last one was $5,000 and at that time I was an e-2 and now I'm an e-5 so I have considerably more income than in 2008 when I got the 5k so I'm guessing ill be ok asking for the 10k my main concern is I was wondering if I ask for the 10 and for whatever reason they don't wanna approve 10 if maybe they will counter with 8 or if they will just decline all together
NavChek~ 13K.... nRewards MC~ 12K... CashRewards Visa sig~ 12k... NFCU Platinum Visa~ 10K... USAA Cash Rewards~ $2000... Chase Freedom~ $1500... Discover It~ $1500... Belk~ $1200.... Children's place ~$850... Walmart Store Card~ $1350... Amazon Store Card~ $1150...Victoria's Secret~ $500 Macy's~ $800

EQ~ 642
EX Fico~ 680
TU~ 686
Message 11 of 17
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Rhaeny
Valued Contributor
‎01-13-2013 07:11 PM
‎01-13-2013 07:11 PM

Re: NFCU personal loan question

@DSW89 wrote:
My last one was $5,000 and at that time I was an e-2 and now I'm an e-5 so I have considerably more income than in 2008 when I got the 5k so I'm guessing ill be ok asking for the 10k my main concern is I was wondering if I ask for the 10 and for whatever reason they don't wanna approve 10 if maybe they will counter with 8 or if they will just decline all together

Yea as long as you have paid them timely and your other credit is fine I'm sure if they don't want to give you the $10K then they will counter offer.  They counter offered me and many other people here as well Smiley Wink.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 12 of 17
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DSW89
New Contributor
‎01-13-2013 07:13 PM
‎01-13-2013 07:13 PM

Re: NFCU personal loan question

Thanks for the info Smiley Happy
NavChek~ 13K.... nRewards MC~ 12K... CashRewards Visa sig~ 12k... NFCU Platinum Visa~ 10K... USAA Cash Rewards~ $2000... Chase Freedom~ $1500... Discover It~ $1500... Belk~ $1200.... Children's place ~$850... Walmart Store Card~ $1350... Amazon Store Card~ $1150...Victoria's Secret~ $500 Macy's~ $800

EQ~ 642
EX Fico~ 680
TU~ 686
Message 13 of 17
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chnceit
Valued Contributor
‎01-13-2013 08:35 PM
‎01-13-2013 08:35 PM

Re: NFCU personal loan question

I got a 15K Peronal LOC at PenFed at 9%


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 14 of 17
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mr_postman
Regular Contributor
‎01-13-2013 08:49 PM
‎01-13-2013 08:49 PM

Re: NFCU personal loan question

@DSW89 wrote:
My last one was $5,000 and at that time I was an e-2 and now I'm an e-5 so I have considerably more income than in 2008 when I got the 5k so I'm guessing ill be ok asking for the 10k my main concern is I was wondering if I ask for the 10 and for whatever reason they don't wanna approve 10 if maybe they will counter with 8 or if they will just decline all together

you will be fine i have done many loans with Navyfed in the past 5k-10k-15k as long you paid the loan off and you have income they will approve you.

my boys at navyfed are the best!  current total line with navy 97kSmiley Happy

 

Message 15 of 17
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DSW89
New Contributor
‎01-13-2013 08:57 PM
‎01-13-2013 08:57 PM

Re: NFCU personal loan question

Thanks Smiley Happy I love navy fed!!! They're customer service is always excellent!!
NavChek~ 13K.... nRewards MC~ 12K... CashRewards Visa sig~ 12k... NFCU Platinum Visa~ 10K... USAA Cash Rewards~ $2000... Chase Freedom~ $1500... Discover It~ $1500... Belk~ $1200.... Children's place ~$850... Walmart Store Card~ $1350... Amazon Store Card~ $1150...Victoria's Secret~ $500 Macy's~ $800

EQ~ 642
EX Fico~ 680
TU~ 686
Message 16 of 17
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Dustink
Valued Contributor
‎01-13-2013 09:46 PM
‎01-13-2013 09:46 PM

Re: NFCU personal loan question

@DSW89 wrote:
My last one was $5,000 and at that time I was an e-2 and now I'm an e-5 so I have considerably more income than in 2008 when I got the 5k so I'm guessing ill be ok asking for the 10k my main concern is I was wondering if I ask for the 10 and for whatever reason they don't wanna approve 10 if maybe they will counter with 8 or if they will just decline all together

Since you had a past loan you should be good to go. Better rate too.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 17 of 17
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