Credit Union Auto Loan after BK?

[Amy26]

Thanks for the advice... and well they kinda forced me to join that one cause that's the only one I can get into in my area! I did a lot of research before hand but I did not ask specifically about getting a loan with the bankruptcy. I just assumed after being a loyal customer for a while I would look into it.

[aces67]

We just joined a new CU a couple of weeks ago. We've moved all our banking there. I have yet to ask them if they are BK friendly but I know the CEO their personally and I know that she herself filed BK before she ever went to work for them so I'm figuring BK probably isn't a huge issue with them.

[sirnose]

Was discharged from chapt.13 dec 08. Purchased car thru chase bank at 14.75% apr 09. Tried to finance 9 months later. I am a member of 2 credit unions. Navy federal and Cpm federal. Tried to refi thru navy federal and was denied. (i have myfico scorewatch and equifax 3-1 but no alerts about an inquiry was reported). I then tried my local credit union(cpm) and 2 hours after speaking with them i received alerts from both myfico and equifax 3-1. To make a long story short...NFCU never pulled my credit file and denied me.....guess because i told them about the bankruptcy. Cpm approved me 2 days later and at 4.25% !!!

[Amy26]

What's CPM? I have a friend who works at Navy Federal and I was hoping to get an account there through her...but if they aren't bankruptcy friendly then I don't wanna do it.

[bkyoungin]

What's CPM? I have a friend who works at Navy Federal and I was hoping to get an account there through her...but if they aren't bankruptcy friendly then I don't wanna do it.

navy fed is BK-friend as long as you didn't discharge them like i did.... biggest mistake ever. Also they are the worst collection callers ever so if you are even a day late expect a call from them, but aside from that great rates and great amounts to be loaned to you.