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@Anonymous
I have merged multiple threads threads that you have started on basically the same subject. I realize that you're new to the forums and may not be familiar with forum posting guidelines but starting more than one thread on the same subject is frowned upon and potentially a violation of MyFICO's Forums Terms of Service. If you have additional thoughts or questions relating to PenFed and an auto loan, please post them in this thread. Additionally try to review replies to your question as most of what you are asking has been answered several times. Thank you for your understanding and cooperation. Good luck with your auto loan.
Irish80
MyFICO Moderator
14 months since discharge