Hi @HersheySweet is this thread dead/dying?
Rates in the google doc will automatically update. The post is a wiki and anyone can add or edit, I do so when I have free time or get pms.
Been on the road for a week, so I haven’t touched it.
Ah missed that auto update part. Stay safe young chocolate.
In your opinion is it easier to get loans approved from a larger FCU like Penfed? or Smaller FCU’s give loans also without hassle
Does anyone know the Personal Loan rates at these CU’s? I’m looking for a 5yr loan $35-50k range for home improvements and so other projects. We belong to Penfed and Alliant, and their rates for 12-60mos range from 6.25% to 8.99%.
We have excellent credit >800 and I think these rates stink, but maybe not.
Penfed offered 8.99% for 12-60mos
Alliant was 6.25% for 12mos, 7.25% for 24mos, and 8.49% for 60mos
why not open up a CC with which has no balance transfer fee(introductory period) and has 0% apr for like 15-24 months . At the end of the 0% apr period just pay it back in one. Won’t work for 5 years but it can help for a year or two. (Was told to do this at a bank)
Have you looked into getting a HELOC? Sometimes credit unions have promo periods with much lower interest for the first x months. I got one several years ago and my promo interest rate was around 1%
What cards are currently offering 0% balance transfers for 24mos?
none of them are 24 months at the moment, but there is some 18’s and 20’s. I helped someone do it with the bank of america card. Would definitely look at the HELOC if the rates are actually that low
https://www.nerdwallet.com/best/credit-cards/low-interest
1 Like
Light stream is doing 4.99% for a 50k loan at 36 months.
I think I saw Citi diamond preferred was doing 21 months at 0% for balance transfers
1 Like
US Bank Platinum is 0% 24mo but it could be targeted.
Balance transfers almost always have transfer fees of 3% or more that make it a less appealing deal FWIW. But if it’s a cash back card you’ll net out some of that. Can also be a hit to your score as that’s moving up utilization.
1 Like
Jovia (formerly NEFCU) is at 2.74% up to 60 months for 2019-2023 auto loans:
https://www.jovia.org/personal-banking/borrow/auto-loans
Cheapest I have seen across several places.
1 Like
Any personal experiences with them?
I financed a car with them back in 2016 with no issues.
When you open up a new card there is usually a introductory period where it’s done for free. Usually like the first 60 days
Hello, Which one is super easy to join and a super quick loan process based on your experience?
Northwest Federal or Delta Community
If you live within Deltas area or are employed by an associate company they are the no brained IMO
Willco, I’ll add them to the auto sheet later today!
I have the card (I love it, by the way) but have received nothing regarding this offer. They lowered my APR through 2023, but I never leave balances on my cards. I will check into it.