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NFCU - Personal Loan Question (CA & Others)

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Established Contributor

NFCU - Personal Loan Question (CA & Others)

First time ever I have this in my offers on the dashboard:

A Navy Federal Personal Loan Has You Covered

Now's the perfect time to move on all those projects and purchases you've been thinking about. Our various personal loans can make it all possible, and they're also great for unexpected things that come up, like repairs. We've got the right loan to fit your needs, and applying for one has never been faster!

 

Anyone app'd and used one of these?  How many HP/SPs and what CRA?

 

Don't need it but as I see these types of offers come up I think I should grab for a rainy day.  

 

CA what do you think?  Should I stick with my CLOC and keep pushing NFCU for higher CC limits instead?

DC Prem 20K | DC Elite 20K | PenFed Visa 25K | NFCU Sig Visa 25K | NFCU Flagship 25K | AMEX Delta 25K & SPG 15K
RBFCU MC 20K | Barclay's RMC 11.5K & Ring 22K | Chase United 30K | Chase Hyatt 8K | Citi AA 15K | Citi DC 15K
Discover it® 27K | JCPenney MC 22K | Home Depot $9K
EX/796 EQ/794 TU/802 GOAL: Break 800
Message 1 of 4
3 REPLIES 3
Established Contributor

Re: NFCU - Personal Loan Question (CA & Others)

im also curious

72 cards and done 312,800 in available credit
0.5% uti / 2.2 aaoa
eq 698 / ex 712 / tu 729


inqs= eq 48 / ex 35 / tu 15
Message 2 of 4
Super Contributor

Re: NFCU - Personal Loan Question (CA & Others)

I have had that offer since I joined haha.. I would assume it would be an EQ pull like other loan products. Do you have a need for a personal loan?

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
740 EQ FICO 06/2018
750 TU FICO 06/2018
741 EX FICO 06/2018
$24k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold
Message 3 of 4
Established Contributor

Re: NFCU - Personal Loan Question (CA & Others)


@Scupra wrote:

I have had that offer since I joined haha.. I would assume it would be an EQ pull like other loan products. Do you have a need for a personal loan?


No need and the offer is gone today.  If I thought I would get better rate for the PL than the CLOC I might go for it down the road.  I will need to cover/repay a 401K loan if I take a new job that I am being offered with a different firm.  For me the quick fix there was just use the CLOC and pay that off monthly.

 

DC Prem 20K | DC Elite 20K | PenFed Visa 25K | NFCU Sig Visa 25K | NFCU Flagship 25K | AMEX Delta 25K & SPG 15K
RBFCU MC 20K | Barclay's RMC 11.5K & Ring 22K | Chase United 30K | Chase Hyatt 8K | Citi AA 15K | Citi DC 15K
Discover it® 27K | JCPenney MC 22K | Home Depot $9K
EX/796 EQ/794 TU/802 GOAL: Break 800
Message 4 of 4
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