NFCU Personal Loan

[NP27]

Hello All,

Didn't know where to post this as there is no section for personal loans.

I am looking to consolidate a few things (me and wife).  I may need a cosigner due to the amount of student loan debt and to get the best rate, but my question is.  I can have my wife co-sign (800's across all 3, me high 600's), but she is not a NFCU member as I am.  How would I go about applying for a personal loan through NFCU with me as a member and she is not?

Already pre-approved for 40K with Lending Club with her as a co-signer, but rate is too high (20%).  Just wanted to check my alternatives.

Thanks!

[Anonymous]

She's your wife, she can become a member through her relationship to you.

[NP27]

Does she need to join first or do I apply for the loan through my account online first?

[tcbofade]

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@NP27 wrote:
Does she need to join first or do I apply for the loan through my account online first?

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I'm not certain that she would need to join in order to cosign for you... that's a question for Navy.

...not to be a downer, but the BEST personal loan rates at NFCU are at 15%... have you considered other credit unions?

[AverageJoesCredit]

If your wife has Amex check for offers as well. Discover offers loans as well

[Appleman]

Also, check out UNIFY credit union and PenFed. Both have lower rates than NFCU.

Good luck!

[RonM21]

Op there are other options if need be, that are available and some of them have been mentioned already. If not for another option to use, I would check them out just to see if you can lower rates.

[NP27]

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@Appleman wrote:

Also, check out UNIFY credit union and PenFed. Both have lower rates than NFCU.

Good luck!

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I do have PenFed, but do you know what are the requirements for UNIFY?  I don't see anything about membership eligibility on their website.

Thanks!

[SouthJamaica]

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@NP27 wrote:

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@Appleman wrote:

Also, check out UNIFY credit union and PenFed. Both have lower rates than NFCU.

Good luck!

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I do have PenFed, but do you know what are the requirements for UNIFY?  I don't see anything about membership eligibility on their website.

Thanks!

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Unify is open to every one. Probably I paid some nominal fee to join some charitable organization, or was a member of American Consumer Council.

[Anonymous]

You can join Unify with $25 donation to Friends of Hobbs State Park-Conservation Area or Surfrider Foundation.

https://www.unifyfcu.com/unify-membership