This is a success story for my sister. If you would like to review her journey, please see most of my prior posts
APPROVING BANK: GPP FCU (Home | Greater Pittsburgh FCU)
BUREAU PULLED: TU
CREDIT SCORE: 815
SOFT PULL/HARD PULL: HARD
CUSTOMER STATE OF RESIDENCE: PA
NEW/USED: NEW
YEAR OF VEHICLE: 2025
MAKE: K4
MODEL: LXS
MILEAGE: 20
FINANCE/LEASE: FINANCE
PURCHASE PRICE: $28709
AMOUNT OF LOAN:$26709
TERM CONTRACTED: 60 MONTHS
APR/LEASE RATE: 4%
MONTHLY PAYMENT: $492
ANNUAL INCOME: $36000 +
DEBT TO INCOME RATIO: ~17%
MISCELLANEOUS COMMENTARY: This very restricted membership CU in the Pittsburgh area ran a Q4 2025 special offering 1% of their published rates. If your TU FICO Score was 750 or greater-they will pre-approve you without POI. My sister requested a max $32,000 loan online via this CU's Loan App system on 12/11/25 and she wasapproved for the New Loan at 4% for 60 months and 4.25% for up to 72 months later that same day. The vehicle purchase occured on 12/15/2025. She also approved for an 84 month loan (if the amount financed would have been $30,000 or greater) but no way she looking to finance that much or go out 7 years. Kia Auto Finance would have offered her a 3.99% APR for the same exact loan but she choose to keep her Loan local. The savings would have been negligible and why even have another credit pull-she declined that possibility. No GAP puchased-that was added as rider to existing Auto Insurance through Erie Insurance. Although the loan is for 60 months she anticpates paying it off in 40 months or less. This CU advances your Loan Due Date as you make additional payments which is always a plus in my book. She had already made 3+ payments and her next payment is not due until April 2026 but she will be making close to 2 additional monthly payments by 1/31/26 so this shows her committment to eliminating this loan ASAP. She has come a very long way from having mulltiple charged off cards that we allowed to happen as she simpply had no income for a number of years and I was wasting my $ making her minimum payments that were basically all going to interest. All of those baddies fell off her reports in late 2024/early 2025 and all of her FICO and FAKO scores are 800+ still even after taking this Loan out. Her only other debts are $2200 on a PNC Credit Card which is at 0% until 3/31/2027 and $470 to Citizens at 0% until that is paid off. They closed her card in late 2023 via an Adverse Action and we got them to cut their ridiculous APR to 0 since they no longer wanted her as a credit card customer (but she has a 25 year old checking account there). Now that she has such great credit, she is receviing primeoffers from many of the BIG BIG banks and also snagged a $15K credit card from another local credit with a 10.74 APR with absolutely NO HARD PULL (I had her freeze all of her reports) even though this CU told in her writing via their secured messaging center that they would Hard Pull no matter what-that response was BS. She was already a member of this other CU and that card offer came in via Experian using the Union Credit platform.
