And remember…! Car dealerships 🤦🏻♂️ will still try and have you run ur credit again while at the dealership 🤦🏻♂️ plz don’t let them .!!!!!!! 🚘 just say no you’ve already been approved and if they keep pushing you too then just walk away …!!!
Literally happened to me, until I told them I have a check and this would essentially would be a cash deal, they insisted that they would not run my credit which they did not, and it wouid just run my name
Dealerships make more money by you financing thru them. They’ll be persistent that they can give you a lower rate, but just tell them no. I agree, they are annoying
Great video! I just got approved for a new car with Navy Federal on Friday, in a few seconds. They overnighted me the check. Picked up my new 2023 vehicle on Friday. I've only been a customer for a little over a month. I love Navy Federal!💜💜
Wonderful video!!!!!!! I followed your EXACT steps and got approved for $51,000 and I only asked for $47,000. My credit score is a 607 (currently rebuilding) but I do have senior level salary paying job. I’ve been a member of the NFCU for about 4 years and have my direct deposit set up with them as well as a savings account. So my internal score probably sealed the deal for me. I was scared I wasn’t going to get approved, but your video helped make everything clearer for me! Thank you so much! ❤️ Only took 10 minutes on the app and got instantly approved!
I was approved for a $55,000 auto loan with 5.24%. Thank you! It took no more than 10 minutes to apply. I just opened my personal and business account in July 2023. I also have some cds with them as well. I was surprised I was approved for the loan.
Ran into some unexpected car trouble and have to look for a new car, my mom sent me your channel! Thank you so much for sharing such helpful information
Just a few months ago, I got approved for refinancing at 13% which is almost double my current APR so I decided to not take it from Navy Fed. I establish the relationship with Navy Fed did a pledge loan have a flagship checking savings. Have a Amex rewards card, credit scores up by 50 points and when I want to get preapproved for a new vehicle I was denied. 🤦🏽♂️
Applied for auto loan got approved , applied for personal got approved , personal loan took 10 minutes and the money was in my account, auto loan took 2 hours for approval
Thanks for this video. You answered all my questions. It’s time to part ways with the first car my mom gave me when I was 18. I’m now 21 and the car has a leaking rear main seal and bad clutch. I’m going to buy a used car off Facebook Marketplace and want to get a loan. After two months of struggling with car issues, I now have the confidence to go get my first car.
I’m 22 and finally letting the car my mom and I paid off together sit on the sideline. I went thru CarGurus to find my sellers. Got approved after watching this video. Good luck with your car shopping👍
Very informative!!!! I applied for the auto refinance and was denied. I think i may have done the application wrong or something. The employment related questions seem to be geared towards military employment and im only related to someone who was in the military.
Really want this 2020 kinda pilot elite! I have an account but my husbands is probably better. Will him putting me as a co-signer hurt the chances of getting approved for a high loan?
Do you need to do the late night hack.🤔 other UA-cam influencer say it is better to apply for the auto loan at the beginning of the month because your credit change from month to month. Can you do update on this. Have one more question. Got the personal loan in September, got the cash back card September, how long should I wait to apply for the auto loan.
FYI, I'm very much a lady, a senior, and I love your channel.👩🏾🦳👸🏽I love it because you are sharing a wealth of FREE information. BTW, I wasn't offended! 🤣❤️
1 - It's is possible to apply for a car loan and do something else with the money?? If yes, How u do it please?? 2- Can i apply for a car loan if i already have a car loan with a different lender?? If yes, What's The chance to get approved?? With 700 credit and good income
I’m a navy federal member. And secured credit card. Looking into applying for a auto loan. Credit score 539 . Is it possible I can get approved for 25,000 ?
I know this is a late but what if I’m trying to get a car that’s out of state and needs to get shipped over to my location. Can I just mail that check?
Been watching your videos and getting my internal score up, but soon I’ll pull the trigger on a auto loan for 40k but I was wondering if the car I get is on avg 34-36k if there any money left over I know navy fed gets it back but do I still have to pay it since I only used that amount? Thanks for tips 🎉
Can I used my company's EIN number when applying for a car loan with NFCU? I have financed with NFCU twice before. I am a business owner but do not want to put the car under my company's name. Tks
I’ve had an account for years but never had it as my main. Since getting a new job I’m putting my direct deposits in it to show activity before i try for an auto loan. Does that make a difference? If there’s a lot of activity ? Edit : i submitted this before watching the video all the way 😂
ull be fine. my gf got a car loan and navy fed was just a second account with very light funds in it here and there and was open for two years. she got 35k
How do I find out my internal score with Navy Federal? I’ve been with them for two years. I have 2 direct deposit, a credit card, a checking and a savings account
You can get your internal score after applying for a new product such as a credit card or loan. You’ll have to call and ask Navy Federal and they will let you know your score. Hope that helps
What’s your credit score? If you don’t mind me asking, just wondering why you’re getting denied. There’s many factors that come into play, such as income, high debt to income and much more.
@@JustMoneyish I’m just trying to find out why I’m being denied, maybe I’m asking for too much, my credit score is 778, I make around 47k a year, only paying like $200 rent atm and can’t get approved. Only been banking with them for a month though. I asked for 38k. Just thought it was way easier to get approved.
@@zach1kMy mom got approved for a $19K vehicle with ZERO down being with NFCU for less than 30 days. Guess what “Zach”, she has a repo on her credit report from 2018 with a debt balance of $14K. She got approved within seconds, zero issues or additional information required. Don’t tell people “nah”. You sound ignorant as fućk.
@@JustMoneyish we need you big time man, easily one of the nicer e34s i seen on YT. what inspired me to get my calypso v8, im doing mtech bumpers and wing and a M6xb44 hybrid engine swap
I’ve only had a credit card for 2 months. But I don’t have direct deposit with Navy federal, do you think I will still be approved . It’ll be for a small loan
And remember…! Car dealerships 🤦🏻♂️ will still try and have you run ur credit again while at the dealership 🤦🏻♂️ plz don’t let them .!!!!!!! 🚘 just say no you’ve already been approved and if they keep pushing you too then just walk away …!!!
Absolutely correct 💯
Literally happened to me, until I told them I have a check and this would essentially would be a cash deal, they insisted that they would not run my credit which they did not, and it wouid just run my name
Why do they need to run anything if you already have a loan? Annoying
Dealerships make more money by you financing thru them. They’ll be persistent that they can give you a lower rate, but just tell them no. I agree, they are annoying
Great video! I just got approved for a new car with Navy Federal on Friday, in a few seconds. They overnighted me the check. Picked up my new 2023 vehicle on Friday. I've only been a customer for a little over a month. I love Navy Federal!💜💜
Yassss!!! ❤
congrats!
howwww
@@ellebrooks-ed2uu prob income and crdt bc I got approved for a personal loan and bought a 2023 canam
@@Heaven-vb5kycan you share TU score?
Wonderful video!!!!!!! I followed your EXACT steps and got approved for $51,000 and I only asked for $47,000. My credit score is a 607 (currently rebuilding) but I do have senior level salary paying job. I’ve been a member of the NFCU for about 4 years and have my direct deposit set up with them as well as a savings account. So my internal score probably sealed the deal for me.
I was scared I wasn’t going to get approved, but your video helped make everything clearer for me! Thank you so much! ❤️
Only took 10 minutes on the app and got instantly approved!
Love to hear it! Right on, congrats 🍾
if you don't mind me asking, what was the interest like? I'm around the same credit score because I don't have much credit history
My credit a 674 and I’m building it all the way till July or August the car prolly gon be 40-56k hopefully I get approved!
@@Tu.nolaaa Mine was 838 but now it’s 817 lost points once I was approved for $98,000
I was approved for a $55,000 auto loan with 5.24%. Thank you! It took no more than 10 minutes to apply. I just opened my personal and business account in July 2023. I also have some cds with them as well. I was surprised I was approved for the loan.
Thanks for sharing, I will be opening a business account and looking into CDS
I just open my business account with them in January do u think I could use that as my paycheck please
@@sanric4076 Sure you can as long as you have at least your last months of income and your tax return information from schedule C
I literally was approved for 70k .... I followed your steps . 2023 Lexus!
That’s awesome! Congratulations!👏🏽 I’m going to be applying soon!
Nice let me hold some of your good credit ..😅
I was approved for $98,000 with a Credit Score of 838 however it dropped after the hard pull to 817. Mercedes S500
Ran into some unexpected car trouble and have to look for a new car, my mom sent me your channel! Thank you so much for sharing such helpful information
Hahah that’s so cool that moms sent you, appreciate you guys !
I subscribed 1:13 on the strength of the E92 M3 💪🏾🔥
E92 m3 gang!
Thanks for the video got Approved immediately been with them for about 6 months keep up the great videos Bro 💪🏾💪🏾💪🏾💪🏾 next home loan 💸
Just a few months ago, I got approved for refinancing at 13% which is almost double my current APR so I decided to not take it from Navy Fed. I establish the relationship with Navy Fed did a pledge loan have a flagship checking savings. Have a Amex rewards card, credit scores up by 50 points and when I want to get preapproved for a new vehicle I was denied. 🤦🏽♂️
Thank ty so much! I watched your video and got approved so quickly.
Congratulations on 17k🎉🎉. Keep it coming.
Thank you very much !
Hello. If you are self employed 1099 what is the best way to fill out the pre approval part that says employee/ company name ?
You answered every question i had wow bravo
Currently trying to receive a Infiniti Q50S! Thanks for the information ❤
Not me watching this video with my Ally work shirt on 😂
👏🤣🤣👏
You and Your videos are the Best Ish!
Thank you I really appreciate that !
Applied for auto loan got approved , applied for personal got approved , personal loan took 10 minutes and the money was in my account, auto loan took 2 hours for approval
Great vids and thanks for all your help and information. I got approved for 40k
How do you check your internal points?
Thanks for your videos, they really help the community. 🙏
Thanks for sharing this video my fiancee is going to try this out.
Thanks for this video. You answered all my questions. It’s time to part ways with the first car my mom gave me when I was 18. I’m now 21 and the car has a leaking rear main seal and bad clutch. I’m going to buy a used car off Facebook Marketplace and want to get a loan. After two months of struggling with car issues, I now have the confidence to go get my first car.
I’m 22 and finally letting the car my mom and I paid off together sit on the sideline. I went thru CarGurus to find my sellers. Got approved after watching this video. Good luck with your car shopping👍
Thanks for sharing!!!
Extremely helpful my guy 💪🏽 good lookin out
Great video, thanks for sharing. I got approve and this was the easiest process. 🌅🙏🏽
Welcome! And congrats!!
@@JustMoneyish thank you 🙏🏽
Very informative!!!! I applied for the auto refinance and was denied. I think i may have done the application wrong or something. The employment related questions seem to be geared towards military employment and im only related to someone who was in the military.
Really want this 2020 kinda pilot elite! I have an account but my husbands is probably better. Will him putting me as a co-signer hurt the chances of getting approved for a high loan?
Thank you sir, great job !
You are welcome!
New subscriber 🎉 this video was really helpful thanks a lot
Do you need to do the late night hack.🤔 other UA-cam influencer say it is better to apply for the auto loan at the beginning of the month because your credit change from month to month. Can you do update on this. Have one more question. Got the personal loan in September, got the cash back card September, how long should I wait to apply for the auto loan.
Got the a credit card and auto loan same day, two HP by the way.
Great and useful info.
Thanks man !
FYI, I'm very much a lady, a senior, and I love your channel.👩🏾🦳👸🏽I love it because you are sharing a wealth of FREE information. BTW, I wasn't offended! 🤣❤️
Thanks!
Thank you! I really appreciate you!
What if you don't know the vehicle you want to buy? Like for example i know i want a 2022 pathfinder but i dont a certain vin for it??
Navy Federal doesn't care about your internal score. It's ALL about your Transunion Credit Score
got denied. Been with Navy since early 2023. Pledge loan, self credit card, all that. Depressed af
Did you know your score or what was your credit score
Thin file or you’re leaving out negative items on your credit
1 - It's is possible to apply for a car loan and do something else with the money??
If yes, How u do it please??
2- Can i apply for a car loan if i already have a car loan with a different lender??
If yes, What's The chance to get approved??
With 700 credit and good income
Trying to get an Audi.
How long after open account should you do the auto loan?
6 months
Oh, Congratulations on reaching 15k Subscribers! 🎉
Thank you. New subbie.
Most Definitely Getting My Dodge Challenger Rt With Navy Federal Real Soon 💚💚🙏🏾
💯
I just opened up a pledge loan? Should I wait to try and get an auto loan with Navy Federal?
Well your credit utilization ratio that your using affect the amount you get on a auto loan
I thought after 90 days in turns into personal loan if you do not use the check
I’m a navy federal member. And secured credit card. Looking into applying for a auto loan. Credit score 539 . Is it possible I can get approved for 25,000 ?
Being that you say do it on your phone.. would you recommend applying for credit cards on my phone through the app ? Thanks i gave a thumbs up
Yup that’s how I always do it ! Use the midnight hack too! And thanks 🙏
@@JustMoneyish np. And thank you
Can this loan be used for a boat or RV as well?
I know this is a late but what if I’m trying to get a car that’s out of state and needs to get shipped over to my location. Can I just mail that check?
I have a question do I have to be a military to get pre-approve to get a auto loan or no ? Thanks
No you don’t, you just have to be banking with them
Do i need to have direct deposit with Navy federal in order to qualify?
What if you get approved than what the car is worth... can you the extra money if you decide if you want to add rim n wheels etc
2024 M4 competition
I thought if you dont use the check as a auto loan within 60 days it can be turned into a personal loan possibly? Did that option changed?
Been watching your videos and getting my internal score up, but soon I’ll pull the trigger on a auto loan for 40k but I was wondering if the car I get is on avg 34-36k if there any money left over I know navy fed gets it back but do I still have to pay it since I only used that amount? Thanks for tips 🎉
You only have to pay back how much the car was not the extra money that goes back to navy federal
Can I used my company's EIN number when applying for a car loan with NFCU? I have financed with NFCU twice before. I am a business owner but do not want to put the car under my company's name. Tks
Not just military related, but also government employee (varies) or contractor
Thanks for the info! Question: Can anyone provide details on why someone with the base criteria would get denied for a car loan with Navy Fed?
Check my last video I made!
@@JustMoneyish Perfect! Thank you!
Just sign up wit them today let’s see how this goes in 3 months or less 🙏🏽🙏🏽🙏🏽👍🏽👍🏽👍🏽
What's the easiest way, personal or car loan??
Great information. I want to get an auto loan for a Subaru Forester. Do you need to provide proof of income or is the loan no doc?
Nice! And They usually don’t ask for proof of income when applying
No docs if they trust you (good relationship) or you have good credit.
I’ve had an account for years but never had it as my main. Since getting a new job I’m putting my direct deposits in it to show activity before i try for an auto loan. Does that make a difference? If there’s a lot of activity ?
Edit : i submitted this before watching the video all the way 😂
ull be fine. my gf got a car loan and navy fed was just a second account with very light funds in it here and there and was open for two years. she got 35k
@@horsemen601 oh perfect ! Thank you 🙏 35 is literally the range number i wanted too
@@ShadowF305you get it?
So what if you don’t have a car in mind to put an amount? How much do you put?
how long do you have to have navy fed for to apply for the auto loan
I have bad credit, you think I have a good chance considering I've already paid off an auto loan early with no late payments?
Depends on your relationship with navy federal and how long you have been at your current job tbh
Can you get another loan if you have a car loan already from a different lender but you're wanting to trade in your car?
Like refinance with navy federal or a different lender ? Or just a whole nother loan ? I have 2 auto loans currently with 2 different lenders
How do I find out my internal score with Navy Federal? I’ve been with them for two years. I have 2 direct deposit, a credit card, a checking and a savings account
You can get your internal score after applying for a new product such as a credit card or loan. You’ll have to call and ask Navy Federal and they will let you know your score. Hope that helps
Does anyone know what credit bureau they pull from?
I have bad credit but make at least 2000 a month would I have to put money down?
Working on a RX350 ! I have about five accounts with them ! Do you think I have a good chance cs above 700 ?
Do you have to use the whole loan on the car ??
Does credit score matter ? I can use a co-signer
Is it possible to get approved without direct deposit?? Transunion is over 800
If you receive more than the car cost can it be returned?
@@ravenalexisss yes it gets returned
I’m going for the 2020 BMW 840i
How did that go
yea howd that go
Can you get a loan if you're not a member with them?
No you have to be a member with them 💯
How do you become a member
I get denied every time for the auto loan. I make deposits and I have n rewards
Do you know what your internal score is ? They also really take into account how long you have been at your Job and the amount your making
@@JustMoneyish not sure what the internal is
What’s your credit score? If you don’t mind me asking, just wondering why you’re getting denied. There’s many factors that come into play, such as income, high debt to income and much more.
@@JustMoneyishyou say they really take into account how much we make, but other comments you say 9/10 they dont ask for income? confused.
My application still pending almost 24 hrs
Mine took 24
I got declined bcus of credit score what’s the next step
What was your score??
hey do they verify income ?
Most likely they won’t!
Is 60,000 too much?
You didn’t mention if navy federal checks your income? I watched the video just for that :s
9 times out of 10 they won’t verify your income, thanks for watching too! 🙏
@@JustMoneyish I’m just trying to find out why I’m being denied, maybe I’m asking for too much, my credit score is 778, I make around 47k a year, only paying like $200 rent atm and can’t get approved. Only been banking with them for a month though. I asked for 38k. Just thought it was way easier to get approved.
@@alien-oo-_-oo5732Do DD and after two Deposits try again, you will be approved.
is it possible to get a auto loan with a repo ?
nah ur chances of ever getting a loan after a repo is slim to none
@@zach1kMy mom got approved for a $19K vehicle with ZERO down being with NFCU for less than 30 days. Guess what “Zach”, she has a repo on her credit report from 2018 with a debt balance of $14K. She got approved within seconds, zero issues or additional information required. Don’t tell people “nah”. You sound ignorant as fućk.
@@zach1kevery one gets repos it just depends on how long its been since the repo
What if you have a lease to turn in...do you still get the auto loan from navyfed and still turn the car in?? I'm so confused about the lease part.
Yes you can, ask for the payoff quote from your auto loan holder/bank etc. at lease end or even before.
dude we miss the e34 content come back already
Waiting for the right time to come back to that channel, I haven’t forgot about it though. I still have big plans for that channel
@@JustMoneyish we need you big time man, easily one of the nicer e34s i seen on YT. what inspired me to get my calypso v8, im doing mtech bumpers and wing and a M6xb44 hybrid engine swap
@@blanky1876 ohh Woww nice! Yea I’ll make an update video soon forsure, I’ve already been thinking about it tbh
Can you get this auto loan when u just been with them a couple months I’m trying get a auto loan make money off turo make passive income
Many variables, but yes if you have good credit.
!!!!
If I recently got a credit card with them can I still try for a auto loan
I’ve only had a credit card for 2 months. But I don’t have direct deposit with Navy federal, do you think I will still be approved . It’ll be for a small loan
You would need to have very good credit in your situation.
Let me know cupcake
What happens if the check amount is less than the car amount approved for?
find a different car
Thank! Great info