Reply
Frequent Contributor
Posts: 256
Registered: ‎06-04-2007
0

CCCU Auto Loan

Has anyone attempted to obtain an auto loan from CCCU?  What are their requirments?
TU 670
EQ 670
EX 617
JFCU $5,000
JFCU AUto Loan $11,000
Jet Blue Amex $2,000
BOA 3,500
Best Buy Store Card $2,200
Kay Jewlers $3,200
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: CCCU Auto Loan

The will pull EX, are lenient. If you do apply, be preapred to be patient.
New Contributor
Posts: 87
Registered: ‎08-03-2007
0

Re: CCCU Auto Loan

Tuscani,
 
Recvd email from CCCU maybe able to help us w/ auto refi after recvg all our docs - emailed them infor on cars- any experience with them and auto refis, PLOC, when waiting for approval on CC?  Not sure if they are going to offer us anything, maybe this is routine, even before denial of all products?
Valued Member
Posts: 29
Registered: ‎08-24-2007
0

Re: CCCU Auto Loan

Chances are if they are asking for that info you will get approved on a car. It sounds like you have met their criteria personally (unless your income doesn't verify) and they just want to make sure the car(s) also meet their criteria. Age and mileage may raise rate or DQ all together. 4 years old or less and less than 75k should be no problem with a CU...some are even more lenient. Good Luck!
New Member
Posts: 1
Registered: ‎07-30-2007
0

Re: CCCU Auto Loan

Who is CCCU?
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: CCCU Auto Loan



Egotrippin wrote:
Who is CCCU?


 

 
Contributor
Posts: 139
Registered: ‎08-04-2007
0

Re: CCCU Auto Loan

I just refinanced my vehicle with CCCU and they were great. It took them over a month from the time I submitted the application to when it was approved, but that is because they are swamped with applications from this website. They pulled EX the same day I applied via the web.  My EX is 697 if that helps.  You can call them as ask what their requirements are. This is a credit union not a bank so the service is very personal, unlike banks and finance companies.
New Member
Posts: 2
Registered: ‎09-09-2007
0

Re: CCCU Auto Loan

Thanks for the great information... a couple questions...
 
-Do you know if CCCU is bk friendly for an auto refinance? 
I was able to get two Toyota Car Loans this year at a very high interest rate - the dealer went up to bat for us since our chapt 13 bk was discharged  only 1 year ago (4 years ahead of plan!).  With my credit scores being higher than my husbands and his income is so good, we were able to get approved.  We need to try to refinance these loans because the payments are unbelievable.  We both needed cars (mine was totaled in an accident and his was 10 years old).
-Does CCCU look at Chex Systems for an auto refi?  I believe I have one negative item on there that needs to be researched.
 
My scores:
TU-632
EQ-636
EX-646
 
Any help would be appreciated!!!
Ficos:
TU: 610
EQ: 632
EX: 591
Contributor
Posts: 139
Registered: ‎08-04-2007
0

Re: CCCU Auto Loan

Chgomom74 - I suggest you call CCCU and aske about their requirements for an auto loan/refinance. 
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.