08-21-2012 01:31 PM - edited 08-21-2012 01:32 PM
You should ask this question under the "Auto Loans" forum as a new post. This thead is normally for those that have recently purchased or leased vehicles. With your score, getting approved for super low rates will be easy for you. If your scores are accurate, you should qualify for 0% financing promotions from Toyota and Honda. The lowest auto rate the credit unions are offering is 1.49% which is still great!
08-21-2012 11:22 PM - edited 08-21-2012 11:23 PM
08-23-2012 08:47 AM - edited 08-23-2012 08:48 AM
08-25-2012 06:53 PM
APPROVING BANK: Agriculture Federal Credit Union
U BUREAU PULLED: Equifax
CREDIT SCORE: 660 auto ehance
CUSTOMER STATE OF RESIDENCE: Arkansas
YEAR OF VEHICLE: 2010
MODEL: MDX Tech package and Entertainment
AMOUNT OF LOAN: $31,000
TERM CONTRACTED: 72 months
APR/LEASE RATE: 3.9%
MONTHLY PAYMENT: $490
ANNUAL INCOME: $70k
MISCELLANEOUS COMMENTARY: I have two active loans with this credit union for over 2 years. One of my car was totaled and I have paid it off after receiving insurance money. I had a few 90 and 120 lates with my Citi credit cards back in 2010 and they were paid to 0 balance after settlement. Currently having 10 active credit cards with ultilization of 40%. The loan officer asked me to explain what happened with the lates and asked me how much I want to borrow. I shot for $32k and got approve instantly due to my on time history with them. Rate is 2.9 for 60 months, 3.9 for 72 months or 4.9 for 84. I picked 3.9%. The lowest advertised rate from the credit union is 2.9 for 72.
08-26-2012 01:52 AM
08-27-2012 08:20 PM
08-28-2012 08:30 AM - edited 08-28-2012 08:34 AM
APPROVING BANK: GM FINANCIAL
BUREAU PULLED: TRANSUNION
CREDIT SCORE: 567 ( DEALER
CUSTOMER STATE OF RESIDENCE: PA
YEAR OF VEHICLE: 2009MAKE: CHEVROLETMODEL: SILVERADO CREW CAB 4X4
AMOUNT OF LOAN: 12500
TERM CONTRACTED: 48
APR/LEASE RATE: 6.9
MONTHLY PAYMENT: 299ANNUAL INCOME: 52000
MISCELLANEOUS COMMENTARY: PUT $5000, PLUS $5500 FOR TRADE, PREVIOUS REPO 6 YEARS OLD, 2 COLLECTIONS(2 YEARS OLD), 2 CHARGE OFFS(4 YEARS OLD). ALSO HAD CAPITAL ONE APPROVAL 10.9. WAS DENIED AT LOCAL CREDIT UNION.
08-29-2012 08:36 PM
08-30-2012 08:02 PM
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