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New Contributor
DSW89
Posts: 64
Registered: ‎11-17-2012

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
Valued Contributor
Rhaeny
Posts: 1,502
Registered: ‎07-24-2011

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 :smileywink:.


Major CC's - Barclay's ($3.3K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($15K) | Navcheck ($22K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($10K) | 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 ($2K) | Sams Club ($1.1K)
Goal: Age with grace to 750 across the board
Last app: 3/3/2014
New Contributor
DSW89
Posts: 64
Registered: ‎11-17-2012

Re: NFCU personal loan question

Thanks for the info :smileyhappy:
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
Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008

Re: NFCU personal loan question

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


$100K in Credit
Last Credit Card App: 11/16/13
Regular Contributor
mr_postman
Posts: 179
Registered: ‎01-17-2008

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 97k:smileyhappy:

 

New Contributor
DSW89
Posts: 64
Registered: ‎11-17-2012

Re: NFCU personal loan question

Thanks :smileyhappy: 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
Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012

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:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%

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