Someone has financed with federal navy

fercho1531

Member
Founding Member ⚙️
Joined
Aug 26, 2024
Messages
53
Media
4
Reaction score
55
I want to apply for it but I have seen many comments on the internet from the truspilot page about a series of irregularities, for example that the interest they advertise is not correct despite having good credit.
 
I used them several times. I have a 800+ credit score as does the wife and our rate is always 1/4 point higher than advertised. Even with auto pay. With that said it’s still the lowest rate out there right now. So never really argue. Maybe you need a perfect score for the lowest rate 😂🤷‍♂️
 
I'm already approved through my current credit union, but applied with NFCU because it was a whole point lower... (Credit Score is 800+)

The website says 2 to 24 hours to get a response, but it's been almost two weeks of silence.
 
I’ve always, always had the BEST experience with NFCU. Reminds me of USAA back in the good ol’ days.

If anyone is having issues with their automated systems, call them!
 
I’ve always, always had the BEST experience with NFCU. Reminds me of USAA back in the good ol’ days.

If anyone is having issues with their automated systems, call them!
Did you open an account first? If not call. They are open 24 hours and my first one I had to call to get everything set up.
 
I’m also planning to finance through Navy Fed, but I know they can be a bit particular, even with a solid credit profile. On that note, does anyone know if the RHO is included in the current Stellantis Financial offer below? I noticed the TRX is excluded, but it’d be awesome if the RHO is eligible for this deal. I pulled this from their website just now.

Thanks!


1735435919255.webp
 
I’m also planning to finance through Navy Fed, but I know they can be a bit particular, even with a solid credit profile. On that note, does anyone know if the RHO is included in the current Stellantis Financial offer below? I noticed the TRX is excluded, but it’d be awesome if the RHO is eligible for this deal. I pulled this from their website just now.

Thanks!


View attachment 3937
Looks like it only applies to 2024 models, the RHO would be a 2025 model.
 
Darn, I was captivated by the big, bold ad, and I missed the 2024 mention :ROFLMAO:

Thanks for clarifying guys. Back to Navy Fed it is!
 
25's get 4.9/72 from what I've read.
 
I want to apply for it but I have seen many comments on the internet from the truspilot page about a series of irregularities, for example that the interest they advertise is not correct despite having good credit.
I've had this same issue, I have excellent credit and got a shit loan offer from them.
 
I've had this same issue, I have excellent credit and got a shit loan offer from them.
same, they advertised 5.7% on used vehicles , tried running a pre approval on a 2022 TRX, i have excellent credit and they said 10% interest. WTF, about to try on the rho to see if the adevrtised 4.7% on new vehicles is actually a thing. If i cant get a decent rate ill just go through marl dodge or local credit union.
 
I did Navy Credit union. I setup an online account which took a few minutes and applied for the auto loan. It took 30 minutes to do all of that. They mailed a blank check out this week so when the truck is in I can fill it out (up to the limit). Their gap is around $400 too which i'll also be using unless Mark Dodge can match it.
 
I did Navy Credit union. I setup an online account which took a few minutes and applied for the auto loan. It took 30 minutes to do all of that. They mailed a blank check out this week so when the truck is in I can fill it out (up to the limit). Their gap is around $400 too which i'll also be using unless Mark Dodge can match it.
What was your rate and months?
 
Why use gap at all, with Mark’s discount it doesn’t take much more to put you well under the book value. And with even a decent APR, if you add 50 to your monthly payment you will stay where you need to be.
 
Here in CA, it's illegal to charge for gap insurance, if the money down/trade in covers the negative equity.
 
Why use gap at all, with Mark’s discount it doesn’t take much more to put you well under the book value. And with even a decent APR, if you add 50 to your monthly payment you will stay where you need to be.
True.
 
I financed my RHO through Navy Federal, it took me about 5 minutes to get approved. I got a 4.8% interest rate at 72 months. I'll pay it off sooner but I like to have those extra buffer months incase something financial happens.
 
Last edited:

Trending content

Back
Top