Well.... been working on my credit since my foreclosure over 4 years ago. We just closed on our house in October and PenFed gave me credit card and sent an email about refinancing my auto. I bought it about 1.5 years ago and the best rate I could get, due to foreclosure was 14.99% and I had to accept it since my credit was still horrible. Received an email on Friday for a refinance and didn't think I'd get it. I app'd on Saturday and when I logged in today....BAM. I was approved. Awesome rate and a savings of over $240.00 per month with the same payoff date, actually 4 months earlier. I cannot begin to say how much I love PenFed. They ARE my main bank now.
