NFCU automobile secured "personal expense loan" = consumer loan?

[ficojoe]

I understand consumer loans are bad for FICO scores, whereas auto loans are much better. I need a loan to do some major automobile repairs to cars owned free and clear with clear titles. I asked NFCU if we could get an auto loan on a car we already own; this is hwo they responded:

" You may apply for a personal expense loan using your vehicle as collateral. The vehicle must be owned free & clear. The collateral must have sufficient value to support the total loan amount. We obtain all collateral values through NADA and can finance up to 125% of the retail value. If approved, you will be required to provide the title with Navy Federal Credit Union listed as the lien holder."

My question is, how does this type of loan affect my FICO score? Is it considered a good loan or a bad loan? 

[llecs]

The loans to watch out for are consumer finance loans, or CFLs. These are from places like One Main Financial, payday loans, and the like. Loans by NFCU aren't CFLs. FICO scores personal loans just like car loans. It's neither good nor bad. It won't help your mix, and there might be a new account ding and possibly impact to AAoA, but any damage is temporary and you'll be AOK within a year. BTW, impact from CFLs outside any new ding or AAoA impact is minimal anyway. They get a bad rap on here because even after you pay it off, FICO still says it's hurting you.