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NFCU compared to USAA

desie25
Valued Member

NFCU compared to USAA

I was wondering who would be better to get a loan with or are they pretty much the same? Is NFCU easier?


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6 REPLIES 6
Revelate
Moderator Emeritus

Re: NFCU compared to USAA


@desie25 wrote:

I was wondering who would be better to get a loan with or are they pretty much the same? Is NFCU easier?


Historically I believe NFCU has been better; however, USAA is really pushing auto loans right now.  

 

When shopping for auto loans, it's in your best interest to try multiple sites since auto inquires all get rolled up within a one month period under FICO'04 (2 weeks in '98, 45 days in '08).  

 

Personally I'd do both.

 




        
Message 2 of 7
desie25
Valued Member

Re: NFCU compared to USAA

Thank you


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Message 3 of 7
boomhower
Valued Contributor

Re: NFCU compared to USAA

Yep, try them both.  I'd also let the dealer give it a shot as well, they have access to lenders and loan programs you do not. 

Message 4 of 7
Dustink
Valued Contributor

Re: NFCU compared to USAA

Also, keep in mind USAA is offering up to 1% for using their car buying service.

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Message 5 of 7
tryingforgoals
Valued Member

Re: NFCU compared to USAA

I applied for USAA and NFCU. NFCU approved my $15500 @4.9% and USAA only Approved $12000. Surprising because they denied me at first.

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Message 6 of 7
desie25
Valued Member

Re: NFCU compared to USAA

I am going to try to get a car in a couple of months and may see about NFCU congrats on the approval


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Current Score: 625
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