topic DCU Autoloan and CC Approval in Auto Loans https://ficoforums.myfico.com/t5/Auto-Loans/DCU-Autoloan-and-CC-Approval/m-p/5654769#M82612 <P>Got instant approval for DCU Auto Loan for my requested amount of 20K and offered a credit card for 5k over the phone.</P><P>&nbsp;</P><P>They only require my recent paystub and a membership application, of course. And the purchase agreement within 45 days (I will likely buy through Carvana).&nbsp;</P><P>&nbsp;</P><P>They pulled Equifax FICO 5 (I knew score beforehand).</P><P>My score was 786</P><P>Income over 70k.</P><P>No derogs or BK7</P><P>%1 utilization</P><P>$100 payments</P><P>8 CC's</P><P>1 education loan HP in the past year.&nbsp;</P><P>They offered me %3.74 APR with a promise from me to set up direct deposit within 90 days (they check every month, apparently). Agent said this was their top tier rate.&nbsp;</P><P>CC at %10.75 APR</P><P>&nbsp;</P><P>An overall seamless process that only took 10 minutes.</P> Thu, 20 Jun 2019 22:20:09 GMT followgreatness 2019-06-20T22:20:09Z DCU Autoloan and CC Approval https://ficoforums.myfico.com/t5/Auto-Loans/DCU-Autoloan-and-CC-Approval/m-p/5654769#M82612 <P>Got instant approval for DCU Auto Loan for my requested amount of 20K and offered a credit card for 5k over the phone.</P><P>&nbsp;</P><P>They only require my recent paystub and a membership application, of course. And the purchase agreement within 45 days (I will likely buy through Carvana).&nbsp;</P><P>&nbsp;</P><P>They pulled Equifax FICO 5 (I knew score beforehand).</P><P>My score was 786</P><P>Income over 70k.</P><P>No derogs or BK7</P><P>%1 utilization</P><P>$100 payments</P><P>8 CC's</P><P>1 education loan HP in the past year.&nbsp;</P><P>They offered me %3.74 APR with a promise from me to set up direct deposit within 90 days (they check every month, apparently). Agent said this was their top tier rate.&nbsp;</P><P>CC at %10.75 APR</P><P>&nbsp;</P><P>An overall seamless process that only took 10 minutes.</P> Thu, 20 Jun 2019 22:20:09 GMT https://ficoforums.myfico.com/t5/Auto-Loans/DCU-Autoloan-and-CC-Approval/m-p/5654769#M82612 followgreatness 2019-06-20T22:20:09Z Re: DCU Autoloan and CC Approval https://ficoforums.myfico.com/t5/Auto-Loans/DCU-Autoloan-and-CC-Approval/m-p/5654791#M82615 Congrats and Thank you for the DP's Thu, 20 Jun 2019 22:41:09 GMT https://ficoforums.myfico.com/t5/Auto-Loans/DCU-Autoloan-and-CC-Approval/m-p/5654791#M82615 TheFIGuy 2019-06-20T22:41:09Z