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NFCU Strikes Again: Refi Success

ani86a
Established Member

NFCU Strikes Again: Refi Success

I was discharged from Chapter 13 on 2/15. Since discharge, I bought a slightly loved 2018 Camry and financed through Alliant at 9.99% for 72 months. I applied with NFCU on Wednesday (I was approved for the GoRewards Visa on 2/25) to refinance at 60 months and got the call this afternoon that I was approved at 5.09%!

I’m really loving NFCU and hoping they continue to love me back! I checked with Alliant to see if they could beat their rate and the LO said the best they could do was 9.74%.
5 REPLIES 5
simplynoir
Community Leader
Super Contributor

Re: NFCU Strikes Again: Refi Success

Congrats on slashing your rate by half there! 🍸

Treat them well and NFCU will be good to you
Message 2 of 6
Pro-X
Frequent Contributor

Re: NFCU Strikes Again: Refi Success

Congrats!!


Message 3 of 6
StartingOver2018
Frequent Contributor

Re: NFCU Strikes Again: Refi Success


@ani86a wrote:
I was discharged from Chapter 13 on 2/15. Since discharge, I bought a slightly loved 2018 Camry and financed through Alliant at 9.99% for 72 months. I applied with NFCU on Wednesday (I was approved for the GoRewards Visa on 2/25) to refinance at 60 months and got the call this afternoon that I was approved at 5.09%!

I’m really loving NFCU and hoping they continue to love me back! I checked with Alliant to see if they could beat their rate and the LO said the best they could do was 9.74%.

Can you supply dp's please?

BK CH7--Filed September 25, 2018--D/C Jan.4, 2019
{FICO8 Feb.12, 2019--TU 580--EX 600--EQ 626}

Credit One Visa CLOSED by me May 2020!! :-)($500 now $700) Nov. 2018
SelfLender (2 year) Nov. 2018
Capital One Platinum MC ($2000 now $2500) Jan. 2019
Target RedCard ($500 at 4 months $800 six months later $1900) April 2019
Venus Comenity ($500 now $1500) May 2019 no HP
Ann Taylor Loft MC ($1000) June 2020 no HP
Overstock ($350 now $2350) June 2020 no HP


FICO 8 SCORES: 06-04-2020633 TU656 EX652 EQ
Message 4 of 6
Hasselfree
Valued Contributor

Re: NFCU Strikes Again: Refi Success

Congrats on the refi!




"Your ego is writing checks your body can't cash".
Message 5 of 6
ani86a
Established Member

Re: NFCU Strikes Again: Refi Success

They pulled EQ, which I believe was around a 620. I’m guessing my internal score with them helped more than anything.
Message 6 of 6
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