👉📲1 on 1 Consultation - calendly.com/justmoneyish 👉💵💰FREE $50 to bank with Langley federal credit union - bit.ly/4gFv1F6 👉💵💰SoFi Checking & Savings Account (Get up to $325) bit.ly/Ismaelshaunsandiford 👉📲💰Invest With Robinhood: join.robinhood.com/ismaels27 👉Use my link to get a Free Stock worth up to $200!
Thank you for the information. This helps a lot. I'm starting with 300.00 for the pledge loan and paying on it weekly. Then, after 30 days. 90% will be paid. I have to build my credit to get a house for my mother in Baltimore, MD.
Navy fed says there is no limit of savings accounts that you can have with them so if you can open 4 pledge loan per savings account then you can open another savings account and open 4 more pledge loans using the same funds so basically there are no limits of how many pledge loan you can have. Is it correct?
Best move in my opinion is to take out 4 pledge loans for the amount of $250 ea. wait until it hit ur account, then pay 90% back and auto pay the remainder for the next 6 months. Big results.
@@MOLEGGZ74 Amen. Doing the pledge loan constantly, will lower your credit age, EACH time you take one out. I agree with you, the 5 year plan is better. 🤷🏿♂️
Go big or go home with pledge loans. Great credit isn't a sprint, it's a marathon. Having accounts constantly opening and closing vs. having long term accounts; small loan amounts vs. large loan amounts; paying off quickly vs.paying 80-90% and slowly paying the rest: Those are the things which make the difference between a good and an excellent credit score.
I've always had two pledge loans going at the same time.. once one is approved pay off the 95%+ then open another loan while u are still paying the first one 🤷🏾
I opened a pledge loan for 1k and a couple days later for 5k at the branch. I was worried that I would NOT be able to open another so soon but it worked out. I’m working to repair my credit profile, and hopefully purchase a home in the future! Thanks for your videos, I look forward to them!!! Wish me luck, I’ll post an update!
You have two active pledge loans? I thought that in the video he mentioned that you can only have one at a time. I believe others said two is the limit simultaneously open.
I believe that 2 is the limit, I posted that I was able to open 2 of them because I was legit worried that was not going to be able to, no shade. Hopefully if someone sees my post they won’t hesitate like I almost did, and delay getting started on repairing their credit profile, if that is what they are seeking to do. I also love how he mentions about investing in oneself. It was a hard decision to do it, but I know it will be worth it for my family’s future.
I opened two $500 pledge loans on the same day, so maybe he’s using old info, but I know for a fact that you can have 2 at the same time, I went to my local branch and sat with a rep he gave me so much valuable info and was very knowledgable, he even pre approved me for a credit card so I got that too on my visit, I didnt pay off 80% of my loans right away because I didnt see the point, but the next month I did pay them down half so now I dont have a payment due till 12/24, I think most people pay down the 80% is because they need their initial deposit back right way
Opened a $3k/49 month term. Wanted to be able to pay it down but still have enough to pay back for at least 24 months+ (for history purposes). Heard larger than minimum amount looks better so, tried $3k.
Could this work with an auto loan? I have a $40k loan for 72 months and am waiting for it to report to the credit bureau and would like to do the 90% payment.
Can you have a pledge loan active, and then apply for a personal loan before having the pledge loan paid off in full? Or would the pledge loan be in the way of applying for a personal loan?
What’s up Ish. My question about the pledge loan is let’s say I put 14-15k on the pledge loan and want to pay off 90% in a few days it doesn’t hurt my credit score because the amount owed will be only 10%. Will the 13,000 reflect on the loan as being paid or will it not show up on the loan because I paid it off too fast? If I wait for 30 days and then pay off the 90% is that a better option?
If you pay it down to 90% before it hits, you won't get the drop in credit due to the larger amount not showing up as a debt after 30-45 days. Your credit will then only show a debt of $1300 and not of $13000 at any point. The idea behind paying it down immediately would be to avoid the larger credit hit because of the overall credit utilization ratio. $13000 has a high impact on your utilization than $1300, of course. Some people are in position for the $13000 to hit and then pay it down to show they are currently paying down a larger loan. Others, like me, would only benefit from the payment history, and due to me having more loans out, I would like to avoid a large amount hitting my report. In my opinion, if you're not using the funds as a loan and only doing the hack, $3001 would be optimal, since you'd get to extend the loan terms to impact your score with payment history. All of this is subjective since it depends on everyone's situation, flexibility, and overall goals. I hope that makes sense. Ish does a great job of explaining these principles over the span of his content!
After you do that. Set up auto payments for the remainder. 6 months to 2 years. I did 6 months and at the end my credit score jumped up to 35 points and it showed paid 0 owe
I recently did my first pledge loan about a week ago for$2000. I paid off 80% as soon as the money was back in my account. My score has already went up by ten points, but I was expecting more. Maybe because it’s fairly new. I’m hoping that within the 30 days of me having this account that my score jumps up more as expected. I hope paying 80% that fast wasn’t a mistake. I’m wondering if it would have been better to wait 30 days before I paid 80%, or if it doesn’t make a difference.
The other thing is when the pledge loan shows up on my credit report, if I want to apply for credit cards it might not be a lower chance for approval ? Do you agree with that ?
I have a question, I’m buying a semi for 70 thousand if I go through there bank I’m paying 15.9% interest with 13k down. I was thinking about doing a pledge loan to save money. However my money will be locked down. Any advice
Wzup Ish… I literally just opened my pledge loan for $100k over 60 months and plan on paying off 95% after 2 months. So after I pay it down. How should I set up my auto payments for the remaining 5%? And will it still be for the remaining 58 months? 🤔
Help. I did it for 5k on Friday. And I just did it to get a higher internal score to apply for a car loan for a lower interest. Should I pay it now or wait when it reported?
I did a $7500 pledge loan w/ 61 month term, paid 95% off within a few days and it shows full amount on credit bureas. Also shows pays as agreed ($132 month)even though I don't have a payment due until Aug 2028. 👍
@Happyandfree67 maybe you were lucky it hit your credit report before you paid. I wasn't. I made that mistake in my first pledge loan and haven't had a problem with the other 3 I did afterward.
@@Hand_me_a_handleso should you let hit your credit report for full amount then pay off ~90% of it? I got a 300 loan then paid 90% three days later but when it hit my credit report my score actually dropped 20 points? What is the exact play? Help…
So to be sure im getting this right. I have 500$ in my savings. Apply for the pledge loan and once it goes through they take my 500$ and give it back to me? Then i take 400 out of the 500 and pay it once it hits my credit report? Then with the last 100 put it on autopay for the rest of the duration of my the loan?.
I would say I don’t know how I find you on UA-cam, but I know better. My husband and I have been in prayer so that we get our credit scores up and our credit record in great shape so that we can purchase our forever home. It was no one but God that led me to *Web backdoors🕳️org* . I thank God for this wisdom. Bless you.
Exactly. You put $255 in your savings. They place a lock on the $250 to make sure you can't get it out. Few days later they deposit $250 in your same account. Once you post back the 250 plus the 2% for 6 months (about $2.50) they will release your original $250.
Hi. Thanks for all the information. Im trying to figure out. If I pledge for example $250 and it’s in my savings account. Do I still have to have an extra $225 to pay 90% of the loan off. Then they release that $225 hold then I pay the remainder amount monthly.
Lets say you put 250 in your savings to do the pledge loan. They take it and place it into your checking account and open a new account for you thats titled pledge loan with a 250 balance. At this point your checking has 250, savings 0, pledge loan -250. You can spend your 200 back into the pledge loan balance and 3 days later that same 200 will be re-released into your checking account. At that point checking 200, savings 0, pledge loan -50.
Do you know what credit bureaus in Nevada, when I went to the branch I opened 2 $500 pledge loans and the guy put them both on a 36 month loans, I was so thankful
I just started with 1000 I don't know if I should pay 90%right now or just wait and let it hit my account first then pay it off! Having mixed feelings....
Pay it now. Then call Navy Fed and ask them to split the balance into 12 month auto pay. That way, you won’t miss a payment. It will be reflected on your report either way.
Hello how are you?? I have a question in the video you said you can only do 1 pledge loan at a time. In the comments it says you can do 4 at 250 each… confused lol
i have a pledge loan a savings a checking also direct deposit just started these accounts how long before i can open a home loan for 250 000 my internal s is 265 been turn down for credit card my s is 710
Hey if you don't mind can you tell me how you was able to receive your internal score, I ask the lady in the branch and she wasn't able to tell me she act like she really didn't know what I was talking about.thanks
@@robertmcdade9600 You get your internal score when you apply for new credit. The approval/denial letter that comes in the mail will usually have it on the last page. It's not something that you can call and ask them about as ive tried multi times and they all ask as if they don't know how to look it up.
I don't think it makes any difference. You are getting the loan based on how much money you are putting in. It's a secured loan so they have nothing to lose.
Ok, so I did a $500 pledge loan and got it all approved and done today. But, where does it show up on the dashboard? I see my checking, savings and certificates I opened but not the pledge loan. The funds are available, I can see them in my checking account and on hold in my savings. But even looking under Transfers I don't see an option to transfer funds to that account. Thanks
@@khirybelcher7874 thanks, yea, I just had to wait a few days and it shows up now, already paid back most of it :) just wondering when/if I should try and apply for a cc now with them
want to do 2 pledge loans, I have $60,000 right now and will get $40,000 in the next week. Should I ? 1. Do a $60,000 pledge and in 2 weeks do a $100,000 pledge loan Or 2.wait and do 1 $100,000 pledge loan Both 60 month options PLEASE LMKKKKK
👋🏽 You would be surprised just because we have money credit still be a problem. My money stay in rotation in my business so having a few thousand extra on the personal side outside of business line just makes sense.
Hi Is this pledge loan the same as secured loan? My last secured loan, the local credit union gave me a hard inquiry. You say the pledge loan is a soft inquiry?
I think if you have 2k and apply for 2k pledge they pull the money/2k from your savings and place it in your checking and you take 90 percent of that out your checking account and pay it back then the other 10 percent pay it gradually on time to build history and on time payments
No. You have to apply for a credit card. If you are accepted or denied, you will receive a letter. Your internal score will be on the back of the first page.
How many pledge loans should one do to raise their score around 80 points? Also, how soon after the first PL should we get the second, third, etc.. great video!! Thanks in advance
Depends on your credit mix (installment vs revolving credit) and what your profile is missing. Ideally you want 10 -12 positive open accounts so use pledge loans and credit cards to get you closer to that number
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👉Use my link to get a Free Stock worth up to $200!
Thank you for the information. This helps a lot. I'm starting with 300.00 for the pledge loan and paying on it weekly. Then, after 30 days. 90% will be paid. I have to build my credit to get a house for my mother in Baltimore, MD.
❗❗UPDATE: YOU ARE ALLOWED 4 PLEDGE LOANS AT A TIME PER SAVINGS ACCOUNT❗❗
That’s what I was about to attack this comment and reply 😂yes that is correct u can have 4 at the same time
Good to know, thanks!
Navy fed says there is no limit of savings accounts that you can have with them so if you can open 4 pledge loan per savings account then you can open another savings account and open 4 more pledge loans using the same funds so basically there are no limits of how many pledge loan you can have. Is it correct?
Best move in my opinion is to take out 4 pledge loans for the amount of $250 ea. wait until it hit ur account, then pay 90% back and auto pay the remainder for the next 6 months. Big results.
Did you try doing the cash hack platform yet o fid cash hack just some days back and I got paid $20,000 in just a few hours
na i Rather hold it over 5 years paying 90-95% off in 1st month…
If you pay it off quick defeats the purpose your score will tank …
@@MOLEGGZ74
Amen.
Doing the pledge loan constantly, will lower your credit age, EACH time you take one out.
I agree with you, the 5 year plan is better. 🤷🏿♂️
Go big or go home with pledge loans. Great credit isn't a sprint, it's a marathon. Having accounts constantly opening and closing vs. having long term accounts; small loan amounts vs. large loan amounts; paying off quickly vs.paying 80-90% and slowly paying the rest: Those are the things which make the difference between a good and an excellent credit score.
Hello… I’m going to get a Pledge Loan on Monday for $500.
I've always had two pledge loans going at the same time.. once one is approved pay off the 95%+ then open another loan while u are still paying the first one 🤷🏾
Your videos informative and straightforward. Keep doing what you’re doing, your channel is really helping people like me on our credit journey!
Thank you ! 💯💎🙏
Please do a video on how to apply to NF for a business account. There are not a lot of videos on how to. You would help fill that void
I did it with $3800 and my score went from a 540 to a 643 🎉
how much money did the loan give you
@@noxz_000 $3800
Over what period of time?
@@noxz_000they said $3800
Like the other dude said, how long did that take?
Ish, Thanks for another great video! Your enthusiasm is contagious!
Thanks!
I just did a 10k 36 month pledge loan , I also got a secured card I decided against the minimum and went with $4500. Your videos really helped me out
Nice! Good work brother!
Did you try doing the cash hack platform yet o fid cash hack just some days back and I got paid $20,000 in just a few hours
How much did your score improve?
@@incogomomo 60 points but navy Federal hasn't reported the credit card yet.
Great point but doesn't a $200 credit card on your report look bad when eventually trying to get a high limit cc? @@sinned96
This was good bro 💯 I’m starting with $3,000
I opened a pledge loan for 1k and a couple days later for 5k at the branch.
I was worried that I would NOT be able to open another so soon but it worked out. I’m working to repair my credit profile, and hopefully purchase a home in the future! Thanks for your videos, I look forward to them!!!
Wish me luck, I’ll post an update!
You have two active pledge loans? I thought that in the video he mentioned that you can only have one at a time. I believe others said two is the limit simultaneously open.
I believe that 2 is the limit, I posted that I was able to open 2 of them because I was legit worried that was not going to be able to, no shade.
Hopefully if someone sees my post they won’t hesitate like I almost did, and delay getting started on repairing their credit profile, if that is what they are seeking to do.
I also love how he mentions about investing in oneself. It was a hard decision to do it, but I know it will be worth it for my family’s future.
I opened two $500 pledge loans on the same day, so maybe he’s using old info, but I know for a fact that you can have 2 at the same time, I went to my local branch and sat with a rep he gave me so much valuable info and was very knowledgable, he even pre approved me for a credit card so I got that too on my visit, I didnt pay off 80% of my loans right away because I didnt see the point, but the next month I did pay them down half so now I dont have a payment due till 12/24, I think most people pay down the 80% is because they need their initial deposit back right way
@@ItSRachel4497 thank you for the clarification.
@@ItSRachel4497 ❗ UPDATE: YOU ARE ALLOWED 4 PLEDGE LOANS AT A TIME PER SAVINGS ACCOUNT❗❗
Opened a $3k/49 month term. Wanted to be able to pay it down but still have enough to pay back for at least 24 months+ (for history purposes). Heard larger than minimum amount looks better so, tried $3k.
Did you try doing the cash hack platform yet o fid cash hack just some days back and I got paid $20,000 in just a few hours
8:04 thanks for the explanation- you get my follow!
Thank you soo much I needed this for my credit cards with navy Federal and loans !!! Thank you!! On the new infi
This was my favorite video thus far 😄❤️
appreciate that!
Could this work with an auto loan? I have a $40k loan for 72 months and am waiting for it to report to the credit bureau and would like to do the 90% payment.
Does a higher pledge loan help, a 1500 vs 5k loan?
You will still get the same amount of points but if you apply for a credit card then the company will give you more limits
Up and coming gem grower , ever heard of credit plug? you and him are some of the major gem growers on youtube.
Can you have a pledge loan active, and then apply for a personal loan before having the pledge loan paid off in full? Or would the pledge loan be in the way of applying for a personal loan?
What’s the best amount to start wit? If you don’t have that much money..???
also dang you have awesome subscriber view retention i see you! taking notes!
Thank you kindly for your time and effort.
What’s up Ish. My question about the pledge loan is let’s say I put 14-15k on the pledge loan and want to pay off 90% in a few days it doesn’t hurt my credit score because the amount owed will be only 10%. Will the 13,000 reflect on the loan as being paid or will it not show up on the loan because I paid it off too fast? If I wait for 30 days and then pay off the 90% is that a better option?
If you pay it down to 90% before it hits, you won't get the drop in credit due to the larger amount not showing up as a debt after 30-45 days. Your credit will then only show a debt of $1300 and not of $13000 at any point. The idea behind paying it down immediately would be to avoid the larger credit hit because of the overall credit utilization ratio. $13000 has a high impact on your utilization than $1300, of course. Some people are in position for the $13000 to hit and then pay it down to show they are currently paying down a larger loan. Others, like me, would only benefit from the payment history, and due to me having more loans out, I would like to avoid a large amount hitting my report. In my opinion, if you're not using the funds as a loan and only doing the hack, $3001 would be optimal, since you'd get to extend the loan terms to impact your score with payment history. All of this is subjective since it depends on everyone's situation, flexibility, and overall goals. I hope that makes sense. Ish does a great job of explaining these principles over the span of his content!
After you do that. Set up auto payments for the remainder. 6 months to 2 years. I did 6 months and at the end my credit score jumped up to 35 points and it showed paid 0 owe
Starting with a 250 to start. Trying it out.😊
Did you try doing the cash hack platform yet o fid cash hack just some days back and I got paid $20,000 in just a few hours
How is it going so far?
I recently did my first pledge loan about a week ago for$2000. I paid off 80% as soon as the money was back in my account. My score has already went up by ten points, but I was expecting more. Maybe because it’s fairly new. I’m hoping that within the 30 days of me having this account that my score jumps up more as expected. I hope paying 80% that fast wasn’t a mistake. I’m wondering if it would have been better to wait 30 days before I paid 80%, or if it doesn’t make a difference.
After 6 months it will jump up to 32 points. Also it sounds like you have to clean up your credit report to see a major difference.
Love the content
The other thing is when the pledge loan shows up on my credit report, if I want to apply for credit cards it might not be a lower chance for approval ? Do you agree with that ?
I got two pledge loans open right now so you can open two pledge loan at a time for sure
Thank you for this, What happens if you pay majority of it back before the 30-45days ?
I like this guy
Does the same rule apply for this as it pertains to having to have been in the military, family member of military to apply?
I have a question, I’m buying a semi for 70 thousand if I go through there bank I’m paying 15.9% interest with 13k down. I was thinking about doing a pledge loan to save money. However my money will be locked down. Any advice
Wzup Ish… I literally just opened my pledge loan for $100k over 60 months and plan on paying off 95% after 2 months. So after I pay it down. How should I set up my auto payments for the remaining 5%? And will it still be for the remaining 58 months? 🤔
I did it for 20k and I have the same expectations 😅
If I start with 1000 & pay 90 within 72hrs will the 900 in funds be released back to me while I make payments towards the remainder of the loan
Yes
About 2 to 3 business day after paying it
Yes
Help. I did it for 5k on Friday. And I just did it to get a higher internal score to apply for a car loan for a lower interest. Should I pay it now or wait when it reported?
What's so special about doing this with Navy Federal in particular? Can't you do this pledge loan strategy with any financial institution?🤔
I appreciate it❤
So if you get a $100,000 pledge loan and pay off $95,000 off right away what reflects to credit report?
$100,000 or $5,000?????
$5000 if you don't wait until it hits your credit. Just wait until it hits and then pay 95%
I did a $7500 pledge loan w/ 61 month term, paid 95% off within a few days and it shows full amount on credit bureas. Also shows pays as agreed ($132 month)even though I don't have a payment due until Aug 2028. 👍
@Happyandfree67 maybe you were lucky it hit your credit report before you paid. I wasn't. I made that mistake in my first pledge loan and haven't had a problem with the other 3 I did afterward.
@@Hand_me_a_handleso should you let hit your credit report for full amount then pay off ~90% of it? I got a 300 loan then paid 90% three days later but when it hit my credit report my score actually dropped 20 points? What is the exact play? Help…
Need your help do I get the money back from Navy Federal Back when I pay back the 90%
can one have a pledge loan and a secured NFCU simultaneously? Does it require 2 savings accounts?
So to be sure im getting this right. I have 500$ in my savings. Apply for the pledge loan and once it goes through they take my 500$ and give it back to me? Then i take 400 out of the 500 and pay it once it hits my credit report? Then with the last 100 put it on autopay for the rest of the duration of my the loan?.
Hi you need assistance?
I would say I don’t know how I find you on UA-cam, but I know better. My husband and I have been in prayer so that we get our credit scores up and our credit record in great shape so that we can purchase our forever home. It was no one but God that led me to *Web backdoors🕳️org* . I thank God for this wisdom. Bless you.
You can also need to look their name up to see their website
If you take a small or minimal amount, is it better to pay within the week, or wait 30-45d?
Good commentary.
Which option helps me build a stronger relationship with navy federal , doing a $250 pledge loan or $1500 ?
1501 will allow you to get it for longer so it's better
So I’m confused if you go get a pledge loan do you have to have that amount in your savings to get it 👀
Exactly. You put $255 in your savings. They place a lock on the $250 to make sure you can't get it out. Few days later they deposit $250 in your same account. Once you post back the 250 plus the 2% for 6 months (about $2.50) they will release your original $250.
Thanks Ish a usual, you are on it, thinking about opening a pledge loan $250.00
welcome and yes sounds like the move!
Did you try doing the cash hack platform yet o fid cash hack just some days back and I got paid $20,000 in just a few hours
From my experience it seems you can do the same strategy with a USAA personal loan
New subscriber 💯💯,
Quick question, how do you check or find out your internal score?
they’ll send you a letter whenever you apply for something
Do they not get upset/lower internal score if a person pays back 80~90% then ask for another pledge loan?
Navy Fed makes about 3% per loan from your money so they don’t mind
So once they pull the money from your savings, they put the money back and you pay the loan?
Hi. Thanks for all the information. Im trying to figure out. If I pledge for example $250 and it’s in my savings account. Do I still have to have an extra $225 to pay 90% of the loan off. Then they release that $225 hold then I pay the remainder amount monthly.
Lets say you put 250 in your savings to do the pledge loan. They take it and place it into your checking account and open a new account for you thats titled pledge loan with a 250 balance. At this point your checking has 250, savings 0, pledge loan -250. You can spend your 200 back into the pledge loan balance and 3 days later that same 200 will be re-released into your checking account. At that point checking 200, savings 0, pledge loan -50.
@@princesshenderson1932
Thanks so much for explaining it to me.. Now I can get to pledging 😊
Did you try doing the cash hack platform yet o fid cash hack just some days back and I got paid $20,000 in just a few hours
So if I did 500 and paid it off, will it be 1000 since I'm paying myself sorry new to this
@@princesshenderson1932 Thanks for your comment I like looking at numbers and where they going.
I don’t like talking when it comes to that paper. 🤣🤣🤣
Great video! Does anybody know if getting a pledge loan for under a thousand dollars will still boost credit scores?
Do you know the regions and wic bureaus the pull from for navy federal?
What’s the most you can start with?
I going to take pleage loan out to buy my range Rover 48,000 I thinking I be saving a significant amount of money on the interest
Or you can pay it with the cash that you would have given the bank in order to secure the loan and save even more
Do you know what credit bureaus in Nevada, when I went to the branch I opened 2 $500 pledge loans and the guy put them both on a 36 month loans, I was so thankful
Did you try doing the cash hack platform yet o fid cash hack just some days back and I got paid $20,000 in just a few hours
They don’t pull your credit report for a pledge loan, that’s the beauty!
I just started with 1000 I don't know if I should pay 90%right now or just wait and let it hit my account first then pay it off! Having mixed feelings....
Pay it now. Then call Navy Fed and ask them to split the balance into 12 month auto pay. That way, you won’t miss a payment.
It will be reflected on your report either way.
Give us an update. What did you do and how did it help your credit score?
Wait so do you get all you money back minus the interest?
Yesyou do. Its awesome!
Hello how are you?? I have a question in the video you said you can only do 1 pledge loan at a time. In the comments it says you can do 4 at 250 each… confused lol
Hello! Yes sorry you can do up to 4 pledge loans per savings account!
I just open up a 250 one do they take the money out your bank ? I did it over the phone now I don’t see it in my savings nomore
Did you try doing the cash hack platform yet o fid cash hack just some days back and I got paid $20,000 in just a few hours
How high of a credit score do they look for?
doesn’t matter since it’s a secured loan
i have a pledge loan a savings a checking also direct deposit just started these accounts how long before i can open a home loan for 250 000 my internal s is 265 been turn down for credit card my s is 710
Hey if you don't mind can you tell me how you was able to receive your internal score, I ask the lady in the branch and she wasn't able to tell me she act like she really didn't know what I was talking about.thanks
@@robertmcdade9600 You get your internal score when you apply for new credit. The approval/denial letter that comes in the mail will usually have it on the last page. It's not something that you can call and ask them about as ive tried multi times and they all ask as if they don't know how to look it up.
Did you try doing the cash hack platform yet o fid cash hack just some days back and I got paid $20,000 in just a few hours
When you finish paying, do you get the original deposit back?
Yes immediately after every payment
I saw somewhere that you should apply for this late at night??
I don't think it makes any difference. You are getting the loan based on how much money you are putting in. It's a secured loan so they have nothing to lose.
Ok, so I did a $500 pledge loan and got it all approved and done today. But, where does it show up on the dashboard? I see my checking, savings and certificates I opened but not the pledge loan. The funds are available, I can see them in my checking account and on hold in my savings. But even looking under Transfers I don't see an option to transfer funds to that account. Thanks
Have to wait 24-48 hrs
@@khirybelcher7874 thanks, yea, I just had to wait a few days and it shows up now, already paid back most of it :) just wondering when/if I should try and apply for a cc now with them
want to do 2 pledge loans, I have $60,000 right now and will get $40,000 in the next week. Should I ?
1. Do a $60,000 pledge and in 2 weeks do a $100,000
pledge loan
Or
2.wait and do 1 $100,000 pledge loan
Both 60 month options
PLEASE LMKKKKK
Who has 100,000 dollars in their savings if they need to do this?
👋🏽 You would be surprised just because we have money credit still be a problem. My money stay in rotation in my business so having a few thousand extra on the personal side outside of business line just makes sense.
You’d be surprised. I know a lot of people with no knowledge of credit but they know how to get a few dollars 💵
Hi
Is this pledge loan the same as secured loan?
My last secured loan, the local credit union gave me a hard inquiry. You say the pledge loan is a soft inquiry?
Just did it no hard inquiry
So basically if I have 2k apply for a pledge loan for 1k get approved for 1k then use my other 1k to pay it off?
I think if you have 2k and apply for 2k pledge they pull the money/2k from your savings and place it in your checking and you take 90 percent of that out your checking account and pay it back then the other 10 percent pay it gradually on time to build history and on time payments
It would be nice to have one day that you could do the pledge loan on your phone or desktop
If I do a 225 pledge loan I pay it off in 30 days wouldn’t that be 450. I get back or I wouldn’t get the 250 back .
Can you have a pledge loan and a personal loan?
Yes you may 100%
Is there a way to check my internal score through the app?
No. You have to apply for a credit card. If you are accepted or denied, you will receive a letter. Your internal score will be on the back of the first page.
@@sjt7005 thank you
💎 💎
You didn’t say so, but I shared this vid!
Appreciate you!
Have a question boss
1?🤔
i am looking to get a pledge loan for 1500
I think I am going to do TWO pledge loans for 5k each..
I just opened one last month for only 300 any advice?
I personally would pay 80% of my pledge loan off then just make the small minimum payments throughout the rest of the loan term
❤
@@JustMoneyish would yu do that before or after the 30th day
Did you try doing the cash hack platform yet o fid cash hack just some days back and I got paid $20,000 in just a few hours
Good question that's what I wanna know.....
💯
How many pledge loans should one do to raise their score around 80 points? Also, how soon after the first PL should we get the second, third, etc.. great video!! Thanks in advance
Depends on your credit mix (installment vs revolving credit) and what your profile is missing. Ideally you want 10 -12 positive open accounts so use pledge loans and credit cards to get you closer to that number
@@BackPackGearsYTdidn't know that. Thank you
I got declined why?
How much did you request the loan for and how much was in your savings account?
Kool
💪🏾
Do a video review of visa chase freedom rise credit card
yup soon I got you!
Did you try doing the cash hack platform yet o fid cash hack just some days back and I got paid $20,000 in just a few hours
I plan on using my loan to pay down a car loan and credit card debt.
Look up snowball method for paying debt. Getting into more debt to pay off debt is a revolving door. It doesn’t help you get out the hole, bruh
Yeeeeee😅