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Langley or PenFed?

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pinkandgrey
Senior Contributor

Langley or PenFed?

I'm thinking of finally joining a CU. Auto loan possibilities for the future could be nice. I know many here ( @AverageJoesCredit ) have strong opinions. Between these two, which should I attempt?

 

Another thing: I know about PenFed's love of EQ, but what about Langley?

Discover It: 26.5k
Amex Cash Magnet: 24.4k
Fidelity Visa: 21.5k
Apple Card: 13k
Message 1 of 14
13 REPLIES 13
AllZero
Mega Contributor

Re: Langley or PenFed?

How about both? Maybe add DCU to the list? The more the merrier?
Message 2 of 14
CreditCuriosity
Moderator Emeritus

Re: Langley or PenFed?

If looking for an auto loan better options than the two above mentioned... DCU is very competitive I am with Redstone as well and rates are as low as 1.7% apr for 60 months, etc although capped on max 50k auto loan although not sure if that is a factor for you... Just do a bit of research as PenFed isnt as competitive as it use to be and Langley is meh imho and can beat their rates as well

Message 3 of 14
AverageJoesCredit
Legendary Contributor

Re: Langley or PenFed?

As nice as Langley has been for me suprisingly i like Penfeds website much better. Langley on mobile is so bleh and hard to find things without really looking unlike PF where i like how its much easier to navigate. Im not sure on Auto loans as im too poor to get a new car but as stated having options is good. Who woulda thunk i would say i like Pendr..FedSmiley Wink

Message 4 of 14
pinkandgrey
Senior Contributor

Re: Langley or PenFed?

I'm not looking to get any auto loans right now. Perhaps refinance at some point? What about as far as CC options? Come on, @AverageJoesCredit . I need more from you lol

Discover It: 26.5k
Amex Cash Magnet: 24.4k
Fidelity Visa: 21.5k
Apple Card: 13k
Message 5 of 14
Anonymous
Not applicable

Re: Langley or PenFed?

Penfed blows Langley's cards away. The PCR is the best 2% card around if you fulfill the $500 deposit/balance requirement on their checking account each month. Meanwhile Langley is pushing their Quint card - with a whopping 1% cash back on 5 categories. 🤷‍♂️ 

Langley has a crappy app and website experience too. 

They do have a low rate PLOC that can be as low as 7.25%. 

Message 6 of 14
AverageJoesCredit
Legendary Contributor

Re: Langley or PenFed?

Lol, as much as @CreditCuriosity  and @Anonymous  dont like Langley lol, i have to disagree  abit that the ccs blow away Langley . Yes they probably are better but at least with Langley you have a decent shot at getting a real low apr whereas most people, even high credit scorers end up with the higher apr ranges on most of PF cards. Its hard to  actually pull off PFs adverstised lowest apr.

 

My experience is miniscule in comparison  to most so i may be wrong. But with Langley ive gotten a sub 9% apr and a sub 8%  loc on average credit. One actual auto increase on my cc, 2 actual months where i didnt even have to make a cc payment.  

 

I agree with @Anonymous  about their website, it is annoying as fico but livable . I put in a app for second PF tonight so if approved will be first time having two from them  whereas Langley only allows me one, i guess due to low income. Go for both Pinkie, better to have options lol. Smiley Happy

Message 7 of 14
cashorcharge
Community Leader
Super Contributor

Re: Langley or PenFed?

Team PenFed!!


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Message 8 of 14
CreditCuriosity
Moderator Emeritus

Re: Langley or PenFed?

Langley annoys me just cause of they wont approve me despite scores they look for excuses to deny so over them. Obviosuly they know their cards wouldnt be used with me Smiley Happy.. Nothing against them some FI's fit some while others fits others is all

Message 9 of 14
Anonymous
Not applicable

Re: Langley or PenFed?


@AverageJoesCredit wrote:

Lol, as much as @CreditCuriosity  and @Anonymous  dont like Langley lol, i have to disagree  abit that the ccs blow away Langley . Yes they probably are better but at least with Langley you have a decent shot at getting a real low apr whereas most people, even high credit scorers end up with the higher apr ranges on most of PF cards. Its hard to  actually pull off PFs adverstised lowest apr.

 

My experience is miniscule in comparison  to most so i may be wrong. But with Langley ive gotten a sub 9% apr and a sub 8%  loc on average credit. One actual auto increase on my cc, 2 actual months where i didnt even have to make a cc payment.  

 

I agree with @Anonymous  about their website, it is annoying as fico but livable . I put in a app for second PF tonight so if approved will be first time having two from them  whereas Langley only allows me one, i guess due to low income. Go for both Pinkie, better to have options lol. Smiley Happy


I guess it's a good point on the APR. I wanted their signature cash back card because of the monthly category but it's not high priority for me. 

Message 10 of 14
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