I have never been one to take out a PL over the years as they will certainly tank fico scores and until I found these forums, I really didn't know what a very BAD rate was LOL! So heard a few good things about Lightstream and applied with them last week. But due to some issues they had with my TU it was an instant decline! Very suprised they actually pulled TU as all reports where trending to EQ.....Moved on.... So I decided to explore some rate shopping and my local credit union I had been actually dealing with for the last 10 years and already had an relationship established. Never really looked at them as a go-to-institution for products. They had a fixed rate personal loan @7.49 & PLOC @8.99 very attractive rates indeed. Everything is online now with many branches closed so from the moment of applying online to signing the docs only took a couple of days. Very pleasenat experience. 
@AverageJoesCredit would say "Now lightsream go kick rocks!!" 
While completing my rate shopping decided to hit Penfed up to see what rate I would recieve. They have and fairly old Fico9 reporting so wasn't sure what rate I would get burned a pull anyway and they came back @8.49. Mulled over it for a week and decided to grab it.Not there best rate but, certainly not the worst. Will use that same pull for some other radom product down the road. 
So total damage:
Genysis Credit Union PL $20,000 @7.49 & PLOC $10,000 @8.99
PenFed Credit Union PL $20,000 @8.49
Both loans are stretched out for 60 months but will be paying them off early. Saving roughly $250 per month on my older bad loan obtained during an earlier part of my rebuid. And will also be paying off some debt reporting. The second loan will be alloted for investments, emergency funds, neccesisties etc, all'.
DP's
Genysis EXP HP (774) according to the letter. Used same pull for PLOC
Inquiries: 15 (at the time)
Util 5% reporting
No baddies
PenFed EQ Fico 9 (784) Will use same pull for future product
Inquiries 21 (at the time)
Utili 5% reporting
This report shows baddies, since then have become clean
All in all very pleased with the outcome as lenders are surely "tightening" up things in the covid era.
Thanks for looking! 
Daaaannnnngggggg @credit_endurance .
Brother you back killing it as usual!!
I've never seen any negative experience with denials hold you back!
You definitely know how to play this game and play it well!!!😎
Very happy for you my friend!!😃
@credit_endurance wrote:
@M_Smart007 wrote:Congrats on your loan approvals!
Thanks @M_Smart007!! Hey, I was shooting for that @6.49 rate you got on your PL! But PenFed still did good for me this time around. 😉
I was shocked too, as I usually never get the lowest rate
Congratulations on your loan and PLOC approvals. I did great.
@M_Smart007 wrote:
@credit_endurance wrote:
@M_Smart007 wrote:Congrats on your loan approvals!
Thanks @M_Smart007!! Hey, I was shooting for that @6.49 rate you got on your PL! But PenFed still did good for me this time around. 😉
I was shocked too, as I usually never get the lowest rate
Yes, that rate hasn't been obtained by many on the forums. I looked at how far out their rates go to @Anonymous% 😧 I really feel fortunate with my track record with PenFed. 😆😂
Woot woot!
