Penfed Auto Refi Approval (Data Points for your reference)

[Anonymous]

I refinanced my 6.49% Chase auto loan that had 64 months left with a $646 payment with Penfed at 2.99% for 60 months at $600. I shortened the maturity and shaved a few bucks off. Whoo-hoo

I do not know what score they pulled, but I will update when I find out. 

$33,000

Auto Loan Refinance

Instant Approval @2.99%

FICO 8 - EQ 723 TU 718 EX 686 6% utilization accross the board

One CO from 2014; paid

3 60 day lates 

8 30 days lates

[DaveInAZ]

Congrats!, great rate & terms. Penfed only pulls Equifax.

[Anonymous]

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@DaveInAZwrote:

Congrats!, great rate & terms. Penfed only pulls Equifax.

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Thanks. I'm so excited. I've never had a car loan with such a low rate. I keep waiting for the inquiry to hit. 

[Anonymous]

hi

i checked with DCU on self employment income and they need net income. i have nearly zero net income so even if i have income  and 700 Fico 5 score , i cannot be approved for loan based on income?

Any alterantives?  do penfed/DCU require paystubs?