[null]

my car is ready for delivery, but my membership & auto-loan is still pending w/ TFCU. Do you know how easy it is to re-finance with them if you already submitted a normal auto loan application?

If you have pre-approval letter you can still go with dealer, depending on your credit history they may do back up loan and let you drive it off the lot. Once everything was approved from TFCU I brought a check a week later.

 

[POURINGS]

.

 

[POURINGS]

@javi_ID4

Just applied to Tower, I'm new to this whole process and just wanted to clarify something. So they pull once for the member application, then pull another report when applying for the auto loan? So in total two reports will be pulled throughout the process?

Thanks in advanced.

 

[javi_ID4]

@javi_ID4

Just applied to Tower, I'm new to this whole process and just wanted to clarify something. So they pull once for the member application, then pull another report when applying for the auto loan? So in total two reports will be pulled throughout the process?

Thanks in advanced.

Only one pull from TransUnion.

 

[NiceMann]

On Tower, it says " Receive a 0.25% APR autodraft discount when you autodraft your payment from your existing checking account" does that require using their checking account or can it be an outside checking account that it is being pulled from?

 

[javi_ID4]

On Tower, it says " Receive a 0.25% APR autodraft discount when you autodraft your payment from your existing checking account" does that require using their checking account or can it be an outside checking account that it is being pulled from?

You can have it deducted from a non-Tower FCU checking account. That is how I have it set up.

 

[NiceMann]

You can have it deducted from a non-Tower FCU checking account. That is how I have it set up.

Thanks, that makes the 60 month 2.74% and may have to go ahead and refinance mine. Appreciate the confirmation.

 

[kingcoop]

Thanks, that makes the 60 month 2.74% and may have to go ahead and refinance mine. Appreciate the confirmation.

No, the rates shown on their site include the 0.25% reduction already. Your rate will be 2.99% if you enroll in automatic monthly loan payments.

 

[kingcoop]

Only one pull from TransUnion.

Same, one pull from TransUnion is the only inquiry on my report other than the new account.

 

[EV_LOANS]

Got Vin in tesla app. Submitted loan application to tower now fingers crossed if it gets processed before delivery date. Also when do we get purchasing agreement from tesla and if there are any doc which you might tell i will keep ready or submit before hand. My membership is active with tower

 

[neel.theone]

Guys can anyone suggest best credit union for non citizen/GC holders?

 

[dkuryente]

It's been a week since I applied online for for Tower FCU membership. Still no response whatsoever via email, phone call or postal mail. Does it really take long for them to respond?

 

[POURINGS]

For those of you who applied for Tower and were approved for 2.99% APR, what is / was your credit score?

Also if you dont mind sharing what was the loan amount?

 

[javi_ID4]

Guys can anyone suggest best credit union for non citizen/GC holders?

I'm not a financial advisor or an attorney. I did a quick search online and found this site that may help you. The link below if for informational purposes only. Good luck.

https://www.businessinsider.com/personal-finance/banks-credit-unions-for-immigrants-non-us-citizens?op=1

 

[pokepud3]

Just a note, first republic requires their loan be min of 70 max of 100k. Tried to see if I could get 20k at 3.95 and they wouldn't allow it. Any other personal loan options under 5% that you're aware of?

 

[borev]

I was about to submit a refinance application to Tower. Earlier today their website was still showing rates starting at 2.24% but now they just jumped up to 5.74%

 

[NiceMann]

I was about to submit a refinance application to Tower. Earlier today their website was still showing rates starting at 2.24% but now they just jumped up to 5.74%

Wow big jump. I am surprised it took them so long to do it.

 

[javi_ID4]

I was about to submit a refinance application to Tower. Earlier today their website was still showing rates starting at 2.24% but now they just jumped up to 5.74%

Is updated now

 

[dkuryente]

Oh damn! They sure did! Glad I applied yesterday and got a conditional approval email today with the low rates.

 

[datboix]

My refinancing w/ TowerFCU timeline.

Membership approved on 1/16
Loan App submitted on 1/19
Conditional Approval on 1/23
Sent Documents in on 1/24
Still waiting on Loan Processor as of today (2/10)

Does anyone else have the same issue w/ Tower taking forever to refinance?