DCU Help

[ibmrad7]

Hi folks,

           So I just applied for DCU membership and got an instant approval. Now, how long would it take me to get an auto loan with them? Also, where/when do they show if there is a pre-approval sitting for me.

Thanks

[guydiver]

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@ibmrad7 wrote:

Hi folks,

           So I just applied for DCU membership and got an instant approval. Now, how long would it take me to get an auto loan with them? Also, where/when do they show if there is a pre-approval sitting for me.

Thanks

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Call them Monday morning.  You'll be good to go.  Some have been approved for auto loans before membership approval.  Two hard pulls on EQ. 

[ibmrad7]

Thanks guydiver :-)

Do you think I can get their best rate at 710 EQ FICO?

[guydiver]

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@ibmrad7 wrote:

Thanks guydiver :-)

Do you think I can get their best rate at 710 EQ FICO?

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They pull EQ 04 Fico.  So if your's is 675 or better(don't know which version you have), yes,  if your DTI adequate.  Good luck!

[guydiver]

FYI.  Ask for a CC with the same pull. 

[ibmrad7]

Ok Thanks

[Anonymous]

I am considering joing this CU. Will one hard pull (in addition to membership) cover auto loan and CC?

[ibmrad7]

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@Anonymous wrote:

I am considering joing this CU. Will one hard pull (in addition to membership) cover auto loan and CC?

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That's what I have read. Some people have posted getting CC and Auto loan for 1 HP. 2 in total if you combine membership. I already got the hit on my EQ.

[ibmrad7]

I just applied.. it went into Pending

Hope it's not a denial.

[Anonymous]

I joined DCU a week ago, and after I entered my information on the application process itself, it told me I was pre-approved for a credit card and an auto loan.

It even told me for how much, the cc for a 10,000 limit, and the auto loan for 40k. I just had to select what I wanted to get.. one or both.  I chose none because I'm planning on using the auto loan service later on maybe near the end of the year.

Don't know if you encountered the same message. It was just before finishing up the application.

Good luck with the approval!