PPL with JFCU Auto Loans.. step in please

[Mo Munny Mo Problems]

How satisfied are you with them?

 

How is the online login and how easy is it to go and pay the payment online?

 

 

No surprises? If so, tell me about it.

 

thanks

 

[hrguy]

First thing - are you a member yet? If not...lol...good luck.

[Mo Munny Mo Problems]

why what happened?

 

u cant join through NSA anymore?

 

my wifes a police officer..does that count?

[hrguy]

Oh boy....long story.

 

No, NSA is not a good route to get to them anymore, give me a min to find the threads you can read through.

[Mo Munny Mo Problems]

LOL uh oh another one down? haha

 

lord there will be none left soon haahahaa

[hrguy]

In the meantime, a little synopsis:

 

Very inq sensitive, and chex inq sensitive. The bottom line I get, is they do not like what appears to be rate or CU shoppers.

[Mo Munny Mo Problems]

oh that sucks

 

dang it! they had a great rate too

[hrguy]

http://creditboards.com/forums/index.php?showtopic=510817&p=4840812

[hrguy]

http://creditboards.com/forums/index.php?showtopic=495989&p=4710934

[Mo Munny Mo Problems]

i guess psecu would be my next stop

[hrguy]

i guess psecu would be my next stop

Yea, they are good - BW also just posted something about Alliant with 1.49 or 1.79 up to 72 months, and GTE FCU does 1.74 up to 72.

[Mo Munny Mo Problems]

hahha. i kid you not, that is exactly the window i just opened right as i got the notification of your reply

[Mo Munny Mo Problems]

hahha. i kid you not, that is exactly the window i just opened right as i got the notification of your reply

[hrguy]

It must be mean't to be haha - go for it.

[Mo Munny Mo Problems]

well my CU is 1.76 for 72 months so I think ill give them the extra 4x cents every month lol

 

they helped me a lot when my credit was just starting out. my car was 7 years old, with 64,000 miles, no auto loans ever, only one credit card and a student loan. no money down, not even TT&L....AND I had a bajillion 4-5 year old lates from sallie mae's evil "split the loan up into 6 loans" scheme they have going on over there lol.

 

They gave me a GREAT rate considering i had little history, little down, and and old flowers car.

 

6.4 or something like that, then they lowered it to 4.24 after those lates fell off.

[BRBiz]

Which CU is the best for refinancing with bad credit? My brother in law needs to get his scores up and get out of his crazy auto loan with Santander.

[hrguy]

Well yea, show your loyalty back Mo Munny. It is rare in that an FI will even drop your rate or allow you to refi a loan already with them, I would give them my business also.

Edited May 18, 2013 by hrguy

[hrguy]

Which CU is the best for refinancing with bad credit? My brother in law needs to get his scores up and get out of his crazy auto loan with Santander.

Go to the rates pinned topics Brn, Marv has some CU rate sheets with the scores to APR to get a general idea.

 

I know with one of mine, Apple - they require a 560 or higher for Auto loan. When I came in at 600 on the nose after BK, they gave me 10.74%, but I went with Toyota since my Auto-Enhanced was higher and got me 0%.

[Mo Munny Mo Problems]

Well yea, show your loyalty back Mo Munny. It is rare in that an FI will even drop your rate or allow you to refi a loan already with them, I would give them my business also.

 

Also, when I call Theresa always answers

 

thats something i never get anywhere else. (ORNL FCU in Tennessee if anyones curious. GREAT people.)

 

 

I would like to think that i can hope for alittle of the same loyalty later if I ever need a favor

[BRBiz]

 

Which CU is the best for refinancing with bad credit? My brother in law needs to get his scores up and get out of his crazy auto loan with Santander.

Go to the rates pinned topics Brn, Marv has some CU rate sheets with the scores to APR to get a general idea.

 

I know with one of mine, Apple - they require a 560 or higher for Auto loan. When I came in at 600 on the nose after BK, they gave me 10.74%, but I went with Toyota since my Auto-Enhanced was higher and got me 0%.

Ok thanks!.... For Apple the in is joining that athletic association is that correct?

[hrguy]

I am not sure, I will look Brn. I joined because I qualified otherwise. They pull TU if not in-front of them, they are in VA. EQ if you are in-branch from what I understand. I had to ask for recon also on the LTV, and when I did they agreed with me and met my terms, but also pulled EQ to verify. I had a slightly higher score on EQ and some pending negatives to fall that had already fell on EQ and used that as my basis for recon. They pulled it to verify, and gave in. Also - they do NOT approve with negative Chex entries for FYI.

Edited May 18, 2013 by hrguy

[hrguy]

 

Well yea, show your loyalty back Mo Munny. It is rare in that an FI will even drop your rate or allow you to refi a loan already with them, I would give them my business also.

 

Also, when I call Theresa always answers

 

thats something i never get anywhere else. (ORNL FCU in Tennessee if anyones curious. GREAT people.)

 

 

I would like to think that i can hope for alittle of the same loyalty later if I ever need a favor

Yea, most times they will use past experiences to give you some good rates, if you happen to be in the crapper credit wise. I have heard of them before, are they a open membership?

[BRBiz]

I am not sure, I will look Brn. I joined because I qualified otherwise. They pull TU if not in-front of them, they are in VA. EQ if you are in-branch from what I understand. I had to ask for recon also on the LTV, and when I did they agreed with me and met my terms, but also pulled EQ to verify. I had a slightly higher score on EQ and some pending negatives to fall that had already fell on EQ and used that as my basis for recon. They pulled it to verify, and gave in. Also - they do NOT approve with negative Chex entries for FYI.

Ok thanks for the info..

[hrguy]

Brn, you have to be in VA to join through that association.

[BRBiz]

Brn, you have to be in VA to join through that association.

Oh ok.. I didn't see that.. I'm going to see if I can get some info out of the two CU's here in NH I belong to and see if Imcan get a min score out of them. My b-inlaw is at about 500 right now so he has a ways to go before a refinance any way.