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Patelco CU allows SP to prequalify for a refi or purchase

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SweetCreditObsession
Valued Contributor

Patelco CU allows SP to prequalify for a refi or purchase

Patelco CU has a Check my rate option, allowing users to see potential rate based on a SP to their credit report.

 

https://www.patelco.org/explore-services/auto-loans



(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023





Message 1 of 6
5 REPLIES 5
Jnbmom
Credit Mentor

Re: Patelco CU allows SP to prequalify for a refi or purchase


@SweetCreditObsession wrote:

Patelco CU has a Check my rate option, allowing users to see potential rate based on a SP to their credit report.

 

https://www.patelco.org/explore-services/auto-loans


I hope it's not like their credit card prequalify because that is not reliable .

EXP 780 EQ 796 TU 810
Message 2 of 6
SweetCreditObsession
Valued Contributor

Re: Patelco CU allows SP to prequalify for a refi or purchase

@Jnbmom - Thank you for the heads up. That's an interesting DP. I guess that we will see..



(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023





Message 3 of 6
Jnbmom
Credit Mentor

Re: Patelco CU allows SP to prequalify for a refi or purchase


@SweetCreditObsession wrote:

@Jnbmom - Thank you for the heads up. That's an interesting DP. I guess that we will see..


No problem good luck, I hope it  is a good outcome................................

EXP 780 EQ 796 TU 810
Message 4 of 6
Roadgeek395
Regular Contributor

Re: Patelco CU allows SP to prequalify for a refi or purchase

Just for fun I used the check my rate tool and they pre qualified me for $30,000 at 2.65% APR

Message 5 of 6
Roadgeek395
Regular Contributor

Re: Patelco CU allows SP to prequalify for a refi or purchase

Consumers credit union also has a check my rate option. They pre qualified me with a SP but they denied me after they did a HP. 

Message 6 of 6
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