How I have scored invoice pricing with 3.99% APR on my 370Z?

Premo34WV

Hey guys.... Faxing my 2 paystubs when I get paid Monday (yes we get paid on mondays)....just wondering which payment option was taken for those who went through PenFed. Monthly payments to outside institution(personal bank) or check directly to pendfed or what?

AK370Z

I'm just curious, why do some of the members here had to fax their paystub? It took me 6 minutes(if that) from starting the application to get approved for the loan. Maybe it depends on credit score?? I'm guessing, after certain credit score, they don't need the paystubs?

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Caravanshaka

I think it could be related. I was approved 10 mins after submitting the application, but my credit score us above 750.

Also, for those that don't know, penfed is refinancing auto-loans at 3.99% with NO FEES right now. I just refi'd my wife's SUV that used to be at 7% and it was free to do!

Premo34WV

Credit Score: 789

MightyBobo

PenFed requires pay stubs from some people who's credit rating may not necessarily be the best in order to fully qualify them for the best rate, and to of course, prove how much they are making. I had to do it myself for my first loan through them 5 years ago, but not for this loan.

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