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NFCU Auto Pre-approval

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Harvey26
Valued Contributor

NFCU Auto Pre-approval

Mom recently got into an accident. Not her fault.. But her 08 Toyota Avalon was totaled. After looking at almost every car dealer known to man she finally settled on a new 2023 Honda Cr-v Sport Hybrid. Today she submitted an app to get preapproved. Approved for up to 50,000 @ 4.74 for 60 months. All scores are above 780. NO HPs have been alerted as of yet if she gets an auto loan off an SP that would be the STEAL OF THE CENTURY. Will keep you guys updated!

Amex ED: 9K, Macys Amex: 8K , Bloomingdales Amex: 1K , BOA Premium Rewards: 59.9K , Best Buy Visa: 7K , Banana Republic Mastercard: 5K VACU Mastercard: 11.5K Discover: 25K, Penfed Platinum Rewards: 12.5K, Apple Card:3K, TD Double Up: 15K, Langley FCU: 20K
Message 1 of 8
7 REPLIES 7
MRSTMD
Member

Re: NFCU Auto Pre-approval

Any update?  I got an instant HP after submitting my online app. I was approved for 48k at 6.94 for 72 months though. Smiley Sad . Mine is for a used car (late model 2020-2018). My fico is 770s. Perhaps I should call them for recon on my interest rate. 

Message 2 of 8
FLLGuy
Frequent Contributor

Re: NFCU Auto Pre-approval

@MRSTMD  - Compare that rate against Capital One Auto Navigator (it's an SP then an HP if you decide to take their offer).  Maybe there's something in your profile with Navy they aren't too warm and fuzzy about.  With your score think you'd be a Tier1 for most lenders including captives.  However, keep shopping around I think you can do better.




Message 3 of 8
pizzadude
Credit Mentor

Re: NFCU Auto Pre-approval

Looks like 4.54% is NFCU's lowest advertised rate currently:   https://www.navyfederal.org/loans-cards/auto-loans.html

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 4 of 8
DCnDC
Contributor

Re: NFCU Auto Pre-approval

Any HP come thru? What is NFCU pulling for auto?

FICO 8 (as of 8/23/2019) | EX: 823 | TU: 824 | EQ: 831
Inquiries (Total) | EX: 1 | TU: 1 | EQ: 1
Inquiries (Less than 1 year) | EX: 0 | TU: 0 | EQ: 0

Bank Americard Mastercard $90,000 | PenFed Promise Visa $39,000 | Citi Simplicity Mastercard $26,500 | NFCU More Rewards Amex $25,000 | Macy's $25,000 | Synchrony Home (Mohawk) $25,000 | NFCU Go Rewards Visa $24,300 | Citi Costco Visa $15,300 | NFCU CLOC $15,000 | PenFed Gold Visa $11,000 | Discover It $10,000 | Citi Diamond Preferred Visa $9,500 | Kohl's $3,000

Message 5 of 8
Harvey26
Valued Contributor

Re: NFCU Auto Pre-approval

@DCnDC TU HP did show up.

Amex ED: 9K, Macys Amex: 8K , Bloomingdales Amex: 1K , BOA Premium Rewards: 59.9K , Best Buy Visa: 7K , Banana Republic Mastercard: 5K VACU Mastercard: 11.5K Discover: 25K, Penfed Platinum Rewards: 12.5K, Apple Card:3K, TD Double Up: 15K, Langley FCU: 20K
Message 6 of 8
Brucemac
Established Member

Re: NFCU Auto Pre-approval

I got a preapproval from CapOne Auto Navigator up to $59,000, 8.9% for 84 months. It was a SP. I'm still shopping around as the vehicle we want is expensive and want 84 month financing.  

Message 7 of 8
OniStringer
Regular Contributor

Re: NFCU Auto Pre-approval

I got an instant TU pull on my app Smiley Sad

Started with LOW 500s - Actively rebuilding as of early 2019
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Message 8 of 8
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