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NFCU Cloc Approval full SL 15k and lowest APR 13.9 ( 3rd day membership )

Valued Member

NFCU Cloc Approval full SL 15k and lowest APR 13.9 ( 3rd day membership )

Hi. I just became NFCU membership for about 3 days. The first day when I opened their checking and saving with them. I deposited some money to those account. Then, I deciced to apply for their cash cashRewards and got approved for 10k SL. However, NFCU gave me 11.15 APR, the lowest APR on that card. So, today is my third day with them. I applied for the Cloc. However, I got the message "  We're sorry, but there was a system error processing your request.
For immediate assistance in completing your loan application please call: 1-888-842-6328" . I didn't know what to do, so I re-apply for it and I got the message " Your application is under review ". I thought it was a denial. I chatted with them via Live Chat, and they told me that I got approved for the first time. ( For the full amount of 15k and the lowest APR 13.9 )., and the assoiate promised me not to process the second application, so i don't have another hard pull. 

This is my third day doing business with them and they make me happy. At least, they give me the lowest APR for both my credit card and Cloc. If i carry a balance with them, i know I don't have to pay as much as others. Thanks NFCU. 

P/S ? Does anyone know how long do i have to wait to get their agreement for the CLOC?  Thanks.

 

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Message 1 of 6
5 REPLIES
Frequent Contributor

Re: NFCU Cloc Approval full SL 15k and lowest APR 13.9 ( 3rd day membership )

Congratulations!

 

I had that same thing happen with the error message, so I called the number and they told me they had the application and I was approved also for the full $15K. That was on Monday, July 2nd and I had the envelope with the paperwork on Thursday, July 5th. I faxed it back this Monday and it was available on my account page on Tuesday!

 

I learned today that they automatically order checks to send to you (they are different number series), but they are linked to your checking account. They say 2 to 4 weeks to receive which seems long, so I am looking to find out if anyone can advise when they received them.

Message 2 of 6
Established Contributor

Re: NFCU Cloc Approval full SL 15k and lowest APR 13.9 ( 3rd day membership )

Congrats on the approval! Smiley Happy




Message 3 of 6
Established Contributor

Re: NFCU Cloc Approval full SL 15k and lowest APR 13.9 ( 3rd day membership )

Congrats on your success, trathu! Some data points would be much appreciated.

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (11/10/2018): FICO 08 EXP: 724; TU: 752; EQ: 753
2018 Goal Score: 720 across the board


Take the myFICO Fitness Challenge
Message 4 of 6
Valued Contributor

Re: NFCU Cloc Approval full SL 15k and lowest APR 13.9 ( 3rd day membership )

Congrats on both approvals nice SL also

7-2018 / Fico 8 EX 774 , EQ 781 , TR 785
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 5 of 6
Valued Contributor

Re: NFCU Cloc Approval full SL 15k and lowest APR 13.9 ( 3rd day membership )

Congratulations!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 6 of 6