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NFCU SSL

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Super Contributor

NFCU SSL

1. Minimum loan amount for 60 month term is $3001. Was quoted 2.25% APR.
2. Application is by phone or in branch.
3. No pressure to take autopay.
4. No hard pull.
5. So far, prepayment does not appear to advance payment dates. Next payment due December 2022. If anything changes I will post update and bump this thread.

 


Total revolving limits 648500 (572500 reporting) FICO 8 EQ 725 TU 752 EX 732

Message 1 of 121
120 REPLIES 120
Highlighted
Mega Contributor

Re: NFCU SSL


@SouthJamaica wrote:

1. Minimum loan amount for 60 month term is $3001. Was quoted 2.25% APR.
2. Application is by phone or in branch.
3. No pressure to take autopay.
4. No hard pull.
5. So far, prepayment does not appear to advance payment dates. Next payment due December 2022. If anything changes I will post update and bump this thread.

 


I am going to Bump.

As I am Going to apply for The Navy (NFCU) SSL

I plan on doing The 60 Month for $3001, as soon as The funds Transfer.

I want to Pay forward, and disable auto-pay.

 

I have read just about every thread I could search for on myFICO regarding SSL

 

thanks to @SouthJamaica for this one!

 

any advice or suggestions are welcome?

"It's true hard work never killed anybody, but I figure, why take the chance?"
Message 2 of 121
Highlighted
Super Contributor

Re: NFCU SSL


@M_Smart007 wrote:

@SouthJamaica wrote:

1. Minimum loan amount for 60 month term is $3001. Was quoted 2.25% APR.
2. Application is by phone or in branch.
3. No pressure to take autopay.
4. No hard pull.
5. So far, prepayment does not appear to advance payment dates. Next payment due December 2022. If anything changes I will post update and bump this thread.

 


I am going to Bump.

As I am Going to apply for The Navy (NFCU) SSL

I plan on doing The 60 Month for $3001, as soon as The funds Transfer.

I want to Pay forward, and disable auto-pay.

 

I have read just about every thread I could search for on myFICO regarding SSL

 

thanks to @SouthJamaica for this one!

 

any advice or suggestions are welcome?


I did it for $3010 rather than $3001. Everything's working swimmingly. My next payment due date is still years off.


Total revolving limits 648500 (572500 reporting) FICO 8 EQ 725 TU 752 EX 732

Message 3 of 121
Highlighted
Mega Contributor

Re: NFCU SSL


@SouthJamaica wrote:

@M_Smart007 wrote:

@SouthJamaica wrote:

1. Minimum loan amount for 60 month term is $3001. Was quoted 2.25% APR.
2. Application is by phone or in branch.
3. No pressure to take autopay.
4. No hard pull.
5. So far, prepayment does not appear to advance payment dates. Next payment due December 2022. If anything changes I will post update and bump this thread.

 


I am going to Bump.

As I am Going to apply for The Navy (NFCU) SSL

I plan on doing The 60 Month for $3001, as soon as The funds Transfer.

I want to Pay forward, and disable auto-pay.

 

I have read just about every thread I could search for on myFICO regarding SSL

 

thanks to @SouthJamaica for this one!

 

any advice or suggestions are welcome?


I did it for $3010 rather than $3001. Everything's working swimmingly. My next payment due date is still years off.


Thanks for the update!

may i ask how much you paid forward?,

I am assuming that one would want to pay it forward to optimize less than 8.9% Utilization.

 

I still Have option's as I am waiting the ACH to fund to NFCU

 

Thank You!

"It's true hard work never killed anybody, but I figure, why take the chance?"
Message 4 of 121
Highlighted
Super Contributor

Re: NFCU SSL


@M_Smart007 wrote:

@SouthJamaica wrote:

@M_Smart007 wrote:

@SouthJamaica wrote:

1. Minimum loan amount for 60 month term is $3001. Was quoted 2.25% APR.
2. Application is by phone or in branch.
3. No pressure to take autopay.
4. No hard pull.
5. So far, prepayment does not appear to advance payment dates. Next payment due December 2022. If anything changes I will post update and bump this thread.

 


I am going to Bump.

As I am Going to apply for The Navy (NFCU) SSL

I plan on doing The 60 Month for $3001, as soon as The funds Transfer.

I want to Pay forward, and disable auto-pay.

 

I have read just about every thread I could search for on myFICO regarding SSL

 

thanks to @SouthJamaica for this one!

 

any advice or suggestions are welcome?


I did it for $3010 rather than $3001. Everything's working swimmingly. My next payment due date is still years off.


Thanks for the update!

may i ask how much you paid forward?,

I am assuming that one would want to pay it forward to optimize less than 8.9% Utilization.

 

I still Have option's as I am waiting the ACH to fund to NFCU

 

Thank You!


I immediately brought it down to 9%.


Total revolving limits 648500 (572500 reporting) FICO 8 EQ 725 TU 752 EX 732

Message 5 of 121
Highlighted
Mega Contributor

Re: NFCU SSL


@SouthJamaica wrote:


I immediately brought it down to 9%.


Got it, Thank you!Smiley Happy

"It's true hard work never killed anybody, but I figure, why take the chance?"
Message 6 of 121
Highlighted
Valued Contributor

Re: NFCU SSL


@SouthJamaica wrote:

@M_Smart007 wrote:

@SouthJamaica wrote:

1. Minimum loan amount for 60 month term is $3001. Was quoted 2.25% APR.
2. Application is by phone or in branch.
3. No pressure to take autopay.
4. No hard pull.
5. So far, prepayment does not appear to advance payment dates. Next payment due December 2022. If anything changes I will post update and bump this thread.

 


I am going to Bump.

As I am Going to apply for The Navy (NFCU) SSL

I plan on doing The 60 Month for $3001, as soon as The funds Transfer.

I want to Pay forward, and disable auto-pay.

 

I have read just about every thread I could search for on myFICO regarding SSL

 

thanks to @SouthJamaica for this one!

 

any advice or suggestions are welcome?


I did it for $3010 rather than $3001. Everything's working swimmingly. My next payment due date is still years off.


my Penfed and My BBVA are years off (payments to be make). On BBVA there is a trick to make payments to be push

Message 7 of 121
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Moderator Emeritus

Re: NFCU SSL

And there’s the confirmation of what Pizza posted previously.

Penfed should work if they have a secured loan still and open to everyone.



        
Message 8 of 121
Highlighted
Valued Contributor

Re: NFCU SSL

PEN.jpg

 

Here is a picture of my penfed 

 Smiley Happy

Message 9 of 121
Highlighted
Senior Contributor

Re: NFCU SSL

You said BBVA as well? Got a pic of it to? Smiley Happy
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.



RIP:






Scores updated May 2020, unless otherwise noted. 5 revolvers reporting a balance, where it's normally 1, but took an HP on EX.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 10 of 121
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