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I'm not familiar with PenFed but I just had a great experience refinancing with NFCU. They also had a promo going that you get $200 after 60 days of on time payments.
PenFed WILL NOT finance over 120%, I belive Navy might from my converstaion I had with them.
@Anonymous wrote:PenFed WILL NOT finance over 120%, I belive Navy might from my converstaion I had with them.
Navy uses KBB Retail to determine what 100% means - this is (quite) a bit more generous figure than other lenders use (private party sale), and thus Navy is quite a bit more generous, even though they technically still won't do more than 120%
Edit: thinking back on my conversation the rep might have actually said 'NADA Retail' - either way, quite a bit more than I could actually get for the car, so I'm grateful
Does anyone know how many months past BK and what credit scored Navy Likes? If they do use retail value that's much better than other lenders. I know PenFed uses NADA.
Edit: ALSO, Another user shared using Blinker - which is an app to do refinance. I haven't used it but was looking into it today.
They'll go over 120% with approval. I'm pretty sure that's why my rate was a little bit higher than what they initially told me.
PENFED credit union approved me 33k 72 months 6.1% APR 2017 Camry. Navy Fed declined application.