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GFA loan application paperwork was easy to get through. I set up auto pay. I really felt like they gave me a huge loan and I received a low interest rate that matched my good credit score. I have no complaints - everything was smooth with getting my loan and making first couple of payments. I recommend giving GFA a try!
HORRIBLE Credit Union, in SO many ways!
1. I have excellent credit, over 800 FICO and hadn't had a new loan or credit card opened in years. Not even a late payment in over 20 years, paying off my credit cards in full each month. The site offered Pre-approval for an Auto Loan. MOST pre-approvals do NOT ding your credit. Not only did they ding my credit for 2 years, but they Denied me the loan. I got a loan at a better rate, from a better CU.
2. A few years later I co-signed loans for family. I paid off one of the loans and went online to get my final months statements. I no longer had access to the loan documents, even after just a few days. The loan wasn't even visible anymore. I wanted to get statements for important tax information, but it was as if the loan never existed. I should have left $1.00 to keep it open I gues. We should have access to these documents.
3. I tried to get help through their messaging system. It is answered by an arrogant person providing NO help at all. The reply is always. "I do apologize for the inconvenience this has caused. Is there anything else I can help you with today?" No attempt to even find a solution. Good luck getting someone to answer the phones too.
4. NOW, I want OUT of GFA COMPLETELY, so I start paying down another loan I have there. I made 2 external payments and one internally from a savings account, all within 4 days of each other. ALL THREE payments had 7.49% interest taken out based on the FULL balance at the time of payment. TWO of those THREE payments SHOULD have gone towards Principal ONLY. THIEVES!
If you bank with them, PLEASE, check your statements for such problems, IF you can even access them. If you DO NOT bank with them, DON'T!!!
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