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Super Contributor
Posts: 6,307
Registered: ‎02-24-2015

[postscript] Unify PLOC instant approval

[ Edited ]

I was shocked to get an instant approval for a Unify FCU personal line of credit for $15k with 8% APR (variable I believe).

 

Data points:

-Lots of inquiries & new accounts

-EX FICO Auto 2 (which I believe is the credit score they pull): 746 as of a week ago

-Yes they require income verification

-New member, just opened account & applied for PLOC same day

-15k was what I requested

 

Senior Contributor
Posts: 3,555
Registered: ‎05-25-2016

Re: Unify PLOC instant approval

Nice Congrats OP
Super Contributor
Posts: 6,307
Registered: ‎02-24-2015
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Re: Unify PLOC instant approval


Aduke1122 wrote:
Nice Congrats OP

Thanks Aduke

Established Contributor
Posts: 604
Registered: ‎05-09-2016

Re: Unify PLOC instant approval

Congrats on Unify. I heard they are awesome to be with too. Been eyeing them for a while. With POI, they just need paystubs right?

Super Contributor
Posts: 6,307
Registered: ‎02-24-2015
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Re: Unify PLOC instant approval


Blackswizz750 wrote:

Congrats on Unify. I heard they are awesome to be with too. Been eyeing them for a while. With POI, they just need paystubs right?


Thanks.

 

It said they might need tax returns and/or W2's too.

 

 

Established Contributor
Posts: 809
Registered: ‎01-18-2017

Re: Unify PLOC instant approval

Congrats! They have an excellent rate for PLOC!


Super Contributor
Posts: 6,307
Registered: ‎02-24-2015
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Re: Unify PLOC instant approval


CO_NATIVE wrote:

Congrats! They have an excellent rate for PLOC!


Yeah, it's my lowest rate to date.

Established Contributor
Posts: 604
Registered: ‎05-09-2016

Re: Unify PLOC instant approval

Gotcha, I heard they are POI crazy but the UW are nice to talk to.
Community Leader
Super Contributor
Posts: 8,991
Registered: ‎05-25-2015

Re: Unify PLOC instant approval

Well now, that is definite success story and what a great APR! Congratulations!


Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover; NASA Platinum Cash Rewards. EQ: 752 TU: 740 EX: 787
Super Contributor
Posts: 6,307
Registered: ‎02-24-2015

Re: Unify PLOC instant approval

Thanks, Blackswizz & Musiclover Smiley Happy

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