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APPROVING BANK: NFCU
BUREAU PULLED: Transunion & Equifax
CREDIT SCORE: 611 Equifax 639 Transunion On MYFico
CUSTOMER STATE OF RESIDENCE: TX
NEW/USED: New
YEAR OF VEHICLE: 2017
MAKE: Mazda
MODEL: Mazda6 GT
MILEAGE: 26
RETAIL/LEASE: Retail Finance
AMOUNT OF LOAN: Approved for 34760 but used 33448
TERM CONTRACTED: 72 Months
APR/LEASE RATE: 11.09%
MONTHLY PAYMENT: 639
ANNUAL INCOME:
DEBT TO INCOME RATIO: Unknown
MISCELLANEOUS COMMENTARY: I had to go to 3 dealerships before we got to people that weren't complete a holes. Plus the last dealership actually had the exact car I wanted so win win.
Congrats on your new car. Now you need to work on getting that score a bit higher.
I know that PenFed will let you finance a one year old card within the first 12 months at the new car rate.
In one year if your score improved enough you could end up at 1.99% (or whatever the current new car rate at the time will be) for 60 months.
Always good to have goals!
Did you happen to buy a service contract (warranty) or any other dealer add ons?
@GalaxyStars wrote:
Good approval.
I was approved for a Mazda 6 about 2 months with an interest rate of 6%. I late refianced via pendfed and got a reduced apr to 2.98%.
Was this a Mazda 6 Grand Touring?
Yes with the premium package, mobile start, and rear parking sensors. How long before you refinanced?
I refinanced about a month later.
Penfed made it pretty easy, applied and approved after sending check stubs. And I had my check in the mail in about 3 days later and then paid of Chase Capital as they were the approving lender.
Credit scores at the time ranged from 700 to 750.
I wanted the Grand Touring but ended up getting the Touring model "mid model", I did get Soul Red, its a beauty.