Is this possible? - Ask Rich / Money 101

Pyxie78 · 11-05-2009, 05:47 PM

DH just got a new car. We can totally afford the monthy payments, but it would be easier to pay it with the mid month paycheck. Right now its due the 10th of every month. The loan is with Navy Fed. Do you think if we asked them to move it...even just to the 15th they would?

knehr · 11-05-2009, 06:09 PM

You should be okay doing that! We usually are a couple days late and they just tell us we have a 10 day grace period!

Pyxie78 · 11-05-2009, 06:28 PM

Originally Posted by knehr

You should be okay doing that! We usually are a couple days late and they just tell us we have a 10 day grace period!

I want to see if they can actually change the date due.

I dont want to pay it late, even if there is a 10 day grace period. I'm so anal about bills it'd kill me to pay it late

Amberlyn · 11-05-2009, 06:36 PM

You can see if they will change it.. some places will some won't...

Or he can set up an allotment.. Thats what we have... For my Van payment.. Its due on the 5th.. And then our car payment is due on the 17th... So we just do an allotment..

Pyxie78 · 11-05-2009, 06:39 PM

Originally Posted by Amberlyn

You can see if they will change it.. some places will some won't...

Or he can set up an allotment.. Thats what we have... For my Van payment.. Its due on the 5th.. And then our car payment is due on the 17th... So we just do an allotment..

we already have an allottment going into that account...$300 a month which is more then the car payment. So if they wont change the due date, we'll still be fine. It would just be easier cuz we have more money left over at the end of the month versus the beginning. That $300 allottment was originally set up for savings.

JustMrsJoann · 11-05-2009, 07:15 PM

I have GMAC and they won't change my date. They told me I have a grace period where I do'nt get charged any finance charges or anything.

Good Luck

HollyDee · 11-07-2009, 12:48 AM

Our bank is military friendly, and they moved his payment date for DH's car for us. It never hurts to ask...

Kitten35 · 11-07-2009, 08:52 AM

Most banks should change no question. As long as you pay the loan, and they know you're not just shirking off, they shouldn't have an issue. I can't imagine they wouldn't; at least every time I've taken one they ask when you want it; if not, maybe ask credit cards or something to rearrange date so you can still manage payment without being too tight.

itsalwaysme · 11-09-2009, 12:23 PM

If they wont change it, make an extra payment, then you're a month ahead.

Lynnette1990 · 11-09-2009, 02:04 PM

NavyFed should deff change it.

11-05-2009, 05:47 PM	#1 (permalink)
Pyxie78 hey baby, you got the love I need... Join Date: Jan 2009 Location: Together in Norfolk!!!! Posts: 1,306 Classifieds: (0) Activity: 34% Longevity: 14%	Is this possible? DH just got a new car. We can totally afford the monthy payments, but it would be easier to pay it with the mid month paycheck. Right now its due the 10th of every month. The loan is with Navy Fed. Do you think if we asked them to move it...even just to the 15th they would? __________________ NO MORE TICKER HE'S HOME!!

11-05-2009, 06:36 PM	#4 (permalink)
Amberlyn Senior Member Join Date: Oct 2009 Location: Northeast PA Posts: 1,014 Classifieds: (0) Activity: 82% Longevity: 1%	You can see if they will change it.. some places will some won't... Or he can set up an allotment.. Thats what we have... For my Van payment.. Its due on the 5th.. And then our car payment is due on the 17th... So we just do an allotment.. __________________ my sexy beast.. and me

11-07-2009, 12:48 AM	#7 (permalink)
HollyDee I AM a Proverbs 31 Woman. Join Date: Nov 2009 Location: Camp Pendleton, CA Posts: 38 Classifieds: (0) Activity: 14% Longevity: 0%	Our bank is military friendly, and they moved his payment date for DH's car for us. It never hurts to ask... __________________ You're my best friend in the good times, and my rock in times of sorrow. You're the reason for sweet yesterdays, and my promise for tomorrow.

11-07-2009, 08:52 AM	#8 (permalink)
Kitten35 Junior Member Join Date: Sep 2008 Location: Pennsylvania Posts: 1,085 Classifieds: (0) Activity: 21% Longevity: 20%	Most banks should change no question. As long as you pay the loan, and they know you're not just shirking off, they shouldn't have an issue. I can't imagine they wouldn't; at least every time I've taken one they ask when you want it; if not, maybe ask credit cards or something to rearrange date so you can still manage payment without being too tight. __________________ "Be curious, not judgemental." -- Walt Whitman http://WorkFromHomeCookbook.com/?R=18124 http://www.youdata.com/join/kitten35

11-09-2009, 02:04 PM	#10 (permalink)
Lynnette1990 Senior Member Join Date: Mar 2009 Location: Beaufort,SC Posts: 2,279 Classifieds: (4) Activity: 31% Longevity: 12%	NavyFed should deff change it. __________________ Deployment Survivor: 09.24.08-10.17.09

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11-05-2009, 06:09 PM	#2 (permalink)
knehr RIP Dad!!! I will always be your baby girl~ 8-9-09 Join Date: Apr 2009 Location: virginia beach, VA Posts: 2,152 Blog Entries: 1 Classifieds: (0) Activity: 79% Longevity: 10%	You should be okay doing that! We usually are a couple days late and they just tell us we have a 10 day grace period!

11-05-2009, 07:15 PM	#6 (permalink)
JustMrsJoann hates the first trimester!! Join Date: May 2008 Location: San Diego, CA Posts: 5,146 Blog Entries: 3 Classifieds: (2) Activity: 31% Longevity: 26%	I have GMAC and they won't change my date. They told me I have a grace period where I do'nt get charged any finance charges or anything. Good Luck

11-09-2009, 12:23 PM	#9 (permalink)
itsalwaysme I'm lucky I'm in love with my best friend. Join Date: Mar 2008 Location: San Diego Posts: 4,905 Classifieds: (3) Activity: 26% Longevity: 28%	If they wont change it, make an extra payment, then you're a month ahead.