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Pre-Approved with NFCU, but may go with captive.

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New Member

Pre-Approved with NFCU, but may go with captive.

I've got my pre-approved check in hand from Navy Fed, but I'm willing to let FMC see if they can beat my rate and possibly get an even better price on the car. If FMC were to beat my rate from NFCU, such as 0%, would that harm my relationship with them? I really like Navy Fed and the pre-approval process was easy. I have a used car that I would like to refinance in about 6 months and I'm hoping that possibly not using them for the new car purchase doesn't shine a bad light for later. Anyone gone this route in the past with NFCU or another CU?

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Valued Contributor

Re: Pre-Approved with NFCU, but may go with captive.

Welcome to the myFICO forums!

 

Business is business. I don't believe NFCU would hold it against you for taking a better deal.

















Your FICO credit scores are not just numbers, it’s a skill.

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Frequent Contributor

Re: Pre-Approved with NFCU, but may go with captive.

I've had some money parked in NFCU for a year and when PenFed increased their 12 mo certificates to 2.60% it was a no brainer. I moved my money to that vs 0.65% at NFCU in a Money Market Account. They didn't mind at all no fees, no charges. I said you guys have made this easy. Rep at NFCU said "we are all about your satisfaction and are here for you. If we don't have the right product for you financially and you can find it somewhere else. Go for it". I'll stick with my NFCU Plat Card at 7.74% though. I haven't found anyone that can come close to that yet......





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