I took out a personal loan from my credit union. I've never once doubted thier interest rates until the moment I didn't look. I've taken several PL and a few car loans w/ them. While I know CK isn't the greatest I happened to be on their pg and Lending Point said for my loan amt I could pay blah blah blah over the same amt of time my CU loan is for but their payment was $41 cheaper and I went say what. I looked at their apr and pulled the apr from my loan agr and wtheck but my CU hit me with 2.44% higher. I am zero'ed out on all of my credit cards except 2 of which one is $296 and the other is $123 out of 25k combined CL. I have my mtg which is low in todays world and a car payment, puts me mid range dti and my scores are all 720-750. Now I want to take one of these other personal loans at a less rate because my CU won't refi...I don't even have to ask. My scores at time of CU loan were 680's. I feel gouged.Maybe the CU interest rate is normal for the 680 score. Gaing another $41 a month isn't a big deal, the interest rate diff over life of loan is almost 3k. Anyone know of a PL loan that's good for my CS because now I am curious at what rates I really can get if suddenly a typically high rate lender is actually lower than my CU. Is the world of 7-13% done and gone now?
