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NAVY POI?

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
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Frequent Contributor

NAVY POI?

Does anyone have experience with Navy auto loans?

 

Were you required to submit POI?? I have a credit card with them and I have heard yes and no.. Will be applying soon!

 

Cheers!

Starting scores - 480 - 11/05/18
Current Scores -





7 REPLIES 7
Valued Contributor

Re: NAVY POI?

I was not asked to provide POI with a $45k auto loan.

Ch 7 Discharge 3/12/2018
Cap One QS1 $3,000, Wayfair $5,000, Blaze MC $3,000, Kohls $500
Infiniti Financial lease

AU Cards: CSP $37.7k; Chase Marriott $20k; Discover $7.8k; CapOne Venture $30k
Message 2 of 8
Frequent Contributor

Re: NAVY POI?


@sccredit wrote:

I was not asked to provide POI with a $45k auto loan.


Thanks for the reply! Do you use them for primary banking?

Starting scores - 480 - 11/05/18
Current Scores -





Message 3 of 8
Valued Contributor

Re: NAVY POI?

No.  At the time it was just the car loan and credit card.  

Ch 7 Discharge 3/12/2018
Cap One QS1 $3,000, Wayfair $5,000, Blaze MC $3,000, Kohls $500
Infiniti Financial lease

AU Cards: CSP $37.7k; Chase Marriott $20k; Discover $7.8k; CapOne Venture $30k
Message 4 of 8
Frequent Contributor

Re: NAVY POI?

Thank you very much!

Starting scores - 480 - 11/05/18
Current Scores -





Message 5 of 8
Community Leader
Senior Contributor

Re: NAVY POI?

@armymed80 It all depends.  If it's an auto approval then usually not.  If it goes to manual underwriting then there's always a chance that a human can request it. 

Message 6 of 8
Frequent Contributor

Re: NAVY POI?

Thanks for the help!!

Starting scores - 480 - 11/05/18
Current Scores -





Message 7 of 8
Established Member

Re: NAVY POI?

I was not asked originally. I was granted: Business Side 9K Credit Card 15K CLOC Personal Side Maybe 14K (Since CLI to 20K) When I asked for a CLOC on the personal side I was approved for $5K, but they wanted POI. I have not found any other banking institution to be this generous before or since. All of the credit granted was within days of opening my accounts.
Message 8 of 8