No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
@Hottsaucy Conrgats on your approval! I have an auto loan with NIH and Personal Loan both at the lowest rates I was also offered a 15K Visa which I declined I recently refinanced my car loan to my credit union becuase you can not pay any of their products from outside banks and it has become very annoying to transfer money to them just to pay the account.
@Hottsaucy wrote:@Anonymous
NIHFCU seems to be aggressively expanding their product offerings to everyone. I haven't seen alot of information on this forum about this credit union, I think they are a hidden gem. lol They are a bit more conservative than Navy Federal but it's another great credit union to build a relationship with. For those looking to build credit, all of their unsecure credit cards come with 0% APR for 12-15 months and their secured cards graduate and offer some of the highest limits for secured card...I believe up to $25k which they return after 1 year. They have an emergency loan that is similar to a payday loan with no credit check just needing last couple of paystubs. They have line of credit / overdraft protection if you have a checking account with them up to $10k. They also have VitaLoan up $500 - $700 for personal needs with low apr, repayment terms up to 60 months and no payment for 90 days. Holidays loans up to $3,000. I was preapproved for an auto loan refinance and they have some really good rates. I will take them up on their offer of 3.7% @ 60 months and my initial credit pull is good for 60 days. I've heard that once you build a relationship with them and don't default on anything, they become more generous.
Thanks so much for sharing what's great about them. 🙏🏻
@Hottsaucy 🎆 Congratulations on your approval also thank you for the additional information!
@Harvey26 Thank you for that insightful info, it is something to be mindful of when considering to this CU.
Yes for NIHFCU loan payments you have to transfer funds into your checking account 1st to be able to pay your loan. I plan to just set up automatic reoccuring zelle payments to that checking and my car note will come out on auto pay.
The good news is that only applies to loan products. If you have a credit card through them you actually can pay your bill from any outside bank.
As for loans....hopefully they update their website to be more versatile.
Congrats on your approval!! You mentioned they pull Equifax for credit products; by any chance, do you know which version? 5,8, or 9.. Thanks!
@Elpadrino1 I believe it was EQ8 or 9
Congratulations. 🎊 For membership do they only run credit or ChexSystems as well?
Congrats on your NIHFCU Visa Platinum.