DCU has been good to me!

[1stepatatime]

Want to share this.. I have been gardening for over 2 years now waiting on a mortgage but due to recent vehicle engine problems I decided a vehicle had to come before the house. So the first place I reached out to is DCU credit union. They was the first to approve me of a credit card when I started building my credit so I wanted to start there for a auto loan. I've been a member there all most 3 years and they started sending me messages saying I was approved for a auto loan. This was approved messages. Not pre approved like most send out. I called them up and ask could I get a auto loan without a hard pull and they got back with me next day and said I was for approved for a auto loan up to $30.000 and they didn't even do a hard pull on my credit. So grateful for this credit union. They have help me twice when I needed it the most and all ways been smooth as silk to work with. My loan is going to be for a preowned so I can pay it off quicker and comes with 3.9% due to my credit card UTI being a little high and having my scores down a little but I have paid $3000 of it down and my score should be higher when the next dcu fico comes out. I most likely wait until may before sealing a deal on a vehicle in hopes of getting a better rate. But anyways guys just wanted to share this with you all. Thanks for reading and good luck out there!

Edited April 20, 2016 by 1stepatatime

[riverlover10]

Thanks for posting this. I am chomping at the bit for DCU for the exact reasons you posted. I'm just waiting 90 more days...want my Cap1 to age a bit and I'm joining. Thanks again and congrats

 

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[1stepatatime]

Thanks for posting this. I am chomping at the bit for DCU for the exact reasons you posted. I'm just waiting 90 more days...want my Cap1 to age a bit and I'm joining. Thanks again and congrats

 

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I would recommend anyone to join them. If you get a credit card from them you also get Equifax free monthly Fico score. When I started applying for credit cards few years ago no one would approve me because I had never had any prior credit cards and also had 15 student loan lates and a couple medical collections. Someone then recommended DCU to me on here and I tried them and they approved me of $1000 unsecured card. From there I picked up 4 others and have been gardening the last couple years. If it wasn't for them I wouldn't be where I'm at right now with my credit...Good luck..hope you get in there!

[chimax83]

You don't even need a DCU CC to get the free FICO, all you need is a checking account.

 

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[1stepatatime]

You don't even need a DCU CC to get the free FICO, all you need is a checking account.

 

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Oh thanks for correcting me on that. That's even better I guess.

[bigpoppa09]

OR Savings account u got lucky DCU likes to hardpull for everything.

[pkrider7]

They specifically pull EQ. 675 or higher they always say will get you out of sub-prime rate. I'm waiting for my collections to disappear and going to refi as my current auto loan is higher than I like. Of course EQ is my lowest score with medical collections I'm taking care of Either way a great place to get auto loans!

Edited April 28, 2016 by pkrider7

[MarvBear]

Want to share this.. I have been gardening for over 2 years now waiting on a mortgage but due to recent vehicle engine problems I decided a vehicle had to come before the house. So the first place I reached out to is DCU credit union. They was the first to approve me of a credit card when I started building my credit so I wanted to start there for a auto loan. I've been a member there all most 3 years and they started sending me messages saying I was approved for a auto loan. This was approved messages. Not pre approved like most send out. I called them up and ask could I get a auto loan without a hard pull and they got back with me next day and said I was for approved for a auto loan up to $30.000 and they didn't even do a hard pull on my credit. So grateful for this credit union. They have help me twice when I needed it the most and all ways been smooth as silk to work with. My loan is going to be for a preowned so I can pay it off quicker and comes with 3.9% due to my credit card UTI being a little high and having my scores down a little but I have paid $3000 of it down and my score should be higher when the next dcu fico comes out. I most likely wait until may before sealing a deal on a vehicle in hopes of getting a better rate. But anyways guys just wanted to share this with you all. Thanks for reading and good luck out there!

congrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrats!!!!!!!!!!!!!!!!!!!!!

[bigpoppa09]

They specifically pull EQ. 675 or higher they always say will get you out of sub-prime rate. I'm waiting for my collections to disappear and going to refi as my current auto loan is higher than I like. Of course EQ is my lowest score with medical collections I'm taking care of Either way a great place to get auto loans!

DCU uses EQ Fico 04 or beacon 5 if u get it from MY Fico if u join DCU they give u this score free monthly.

[whipped]

I love DCU as well. I had Capital One auto at 11.5% and lowered to 8.5% through DCU. I know it's still very high but looking to get my auto loan down to where I can be proud of paying a low interest rate. I believe they told me they can refinance when my FICO goes up which I was surprised. I tried it with Capital One and they said they don't refinance on the existing vehicle

[bigpoppa09]

I love DCU as well. I had Capital One auto at 11.5% and lowered to 8.5% through DCU. I know it's still very high but looking to get my auto loan down to where I can be proud of paying a low interest rate. I believe they told me they can refinance when my FICO goes up which I was surprised. I tried it with Capital One and they said they don't refinance on the existing vehicle

Good info didnt know DCU will Refinance there own loan.

[whipped]

 

I love DCU as well. I had Capital One auto at 11.5% and lowered to 8.5% through DCU. I know it's still very high but looking to get my auto loan down to where I can be proud of paying a low interest rate. I believe they told me they can refinance when my FICO goes up which I was surprised. I tried it with Capital One and they said they don't refinance on the existing vehicle

Good info didnt know DCU will Refinance there own loan.

 

 

At least that's what they told me on the phone that once my FICO reaches 675 to give them a call and they can help with refi

Although they pull EQ and EQ is my worst that recently dropped below 600 I may have to soon look for alternative in refinancing if it doesn't go up in the next six months.

[1stepatatime]

Thanks everyone.. I sealed a deal of a pre owned very low miles like new 2014 Nissan Juke. First time owning a Nissan product. Wish me luck!

 

DCU has been great to work with. They gave me a $5000 bump on my credit card today without a hard pull. After I get the car paid down some I will be contacting them for a mortgage. They have all ways been so easy to work with it's seems unreal. Everything goes so smooth and quick when working with them. I love those guys!

Edited May 3, 2016 by 1stepatatime

[whipped]

Thanks everyone.. I sealed a deal of a pre owned very low miles like new 2014 Nissan Juke. First time owning a Nissan product. Wish me luck!

 

DCU has been great to work with. They gave me a $5000 bump on my credit card today without a hard pull. After I get the car paid down some I will be contacting them for a mortgage. They have all ways been so easy to work with it's seems unreal. Everything goes so smooth and quick when working with them. I love those guys!

 

Congrats !!!

 

Too bad they pull EQ exclusively. I won't try anything until my score is nearing 700

[Roland99]

Looking into refi options soon on our new car and DCU is at the top of the list (seem to have the lowest APRs of CUs I've been looking at: NFCU, SDFCU, PSECU, NASA, PenFed, McCoy). Have to wait til after the 6th payment or we lose the incentive we got at purchase from Nissan. DCU, as of now, is 1.74% up to 60mos (perhaps up to 65mos if I'm reading fine print correctly on one of their pages). I'll stick to the 60mos as that will knock 6mos off the life of the loan and barely increase the monthly payment.

 

But, they want a Free Checking w/Relationship for that best rate. Means keeping a $2,500 balance with them...wish there was another way around avoiding that monthly fee with them.

 

Or maybe just go with PenFed and go with 1.99%