Got Refi approved by DCU

Anonymous · ‎07-22-2015

$18k refi-loan, 2.24% APR that goes down to 1.74% as soon as I set up direct deposit

Current loan with Cap1 is at 12.5% APR, been paying for 16 months now

Here are my FICO8 scores at the time of approval

EXP: 665
TU: 685
EQ: 675

I applied late last night, I got an email this morning that I was approved but I needed to upload some documents.

I uploaded the requested documents then called DCU but they weren't able to finalize the refi since I didn't have a DCU membership. They told me to start a membership app, upload the documents for the membership then call back. I am now on the phone on hold with them.

Questions:
- can I add DCU's GAP to the above refi loan?
- I heard some folks got a DCU CC with their DCU loan, do I have to apply for the CC separately?

Anonymous · ‎07-23-2015

I was able to include the cost of DCU GAP into the loan, plus I got a $10k visa at 11.5% APR

Anonymous · ‎07-23-2015

Very nice.. Good job and enjoy it.

Anonymous · ‎07-24-2015

thank you!

Anonymous · ‎07-25-2015

I just got my auto loan refinanced with DCU 2 days ago. After you upload the documents, you're going to have to call them back. During that call, ask if you can also be considered for a Visa Credit Card with the same HP they did for your auto loan. Worked for me.

As for the GAP, i'm not sure since it was already included in my original Auto Loan with Wells Fargo which DCU covered entirely.

Anonymous · ‎07-25-2015

@Anonymous wrote:
I just got my auto loan refinanced with DCU 2 days ago. After you upload the documents, you're going to have to call them back. During that call, ask if you can also be considered for a Visa Credit Card with the same HP they did for your auto loan. Worked for me.

As for the GAP, i'm not sure since it was already included in my original Auto Loan with Wells Fargo which DCU covered entirely.

Thanks! yeah, that's what I did, they gave me a $10k Visa card on the same HP, I also added the GAP insurance to my loan.

Anonymous · ‎07-27-2015

Quick question. I refi'd my Capital One auto loan with DCU, how soon do I get something from Capital One saying that the loan was paid off?

Do I need to call Capital One to request such document?