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Auto Loan Approvals!

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germaine47
Frequent Contributor

Re: Auto Loan Approvals!

APPROVING BANK:  TOYOTA FINANCIAL

BUREAU PULLED:  ALL

CREDIT SCORE:  652-720

CUSTOMER STATE OR RESIDENCE:  AL

NEW/USED:  NEW

YEAR OF VEHICLE:  2012

MAKE:  TOYOTA

MODEL:  CAMRY SE

MILEAGE:  12

RETAIL/LEASE:  RETAIL

AMOUNT OF LOAN:  25,000

TERM CONTRACTED:  63

APR/LEASE RATE: 1.9%

MONTHLY PAYMENT: 

MISCELLANEIOUS COMMENTARY:  I WISH I COULD OF GOTTEN ONE MORE GOOD YEAR OUT OF MY 10 YEAR OLD CAR.

 

Fico September 2012; TU 681, EX 674, EQ 652
Fako October 2012: TU 706, EX 641,
Message 1281 of 4,736
nuggets321
Frequent Contributor

Re: Auto Loan Approvals!

Approving Bank : Toyota Financial Services

Bureau Pulled : Dealer pulled ALL 3  TMCC pulled TU

Credit Score : Auto-Enhanced TU:     707

Customer State of Residence : Colorado

New/ Used :    NEW

Year of Vehicle :   2012

Make :   Toyota

Model :  4Runner  SR-5  w/ convenience pkg

Mileage  :  6

Retail / Lease  : Retail purchase

Amount of Loan :  34,960  (Sticker was 36989 negotiated it down over the course of 2 weeks to 32,811 + tax+GAP+dealer fee)

Term Contracted :  60 mos

APR/Lease Rate :  4.99

Monthly Payment  : 655

Annual Income :  47,000

Misc Commentary : VERY surprised with a decent APR. I pulled my TU the night before with myfico and was 680. Dealer said my auto-enhanced came back at 707 !! I was shocked !  $0 down . I negotiated price down to 32811 via internet over the course of a couple weeks. Did NOT mention anything about a trade in until I had the sales proposal printed then called and dropped the trade in news when I was 10 minutes away from the dealer from taking delivery.....Initially was going to be financed through my small time credit union but after finding out that they only reported to EQ, I talked to the dealer finance guys and they said Toyota Finance would give me a 4.99% ...Would rather have gone local financing, but I wanted the history on ALL 3 .....

TU-721 (MortgagePull) EQ- 697(MortgagePull ) EXP 693(MortgagePull) FWEB 24,2015
My Wallet : Dicover More 35,500 CL -Amex Zync NPSL -WellsFargoRewards4800 - -CapOne 3000CL -GEMBWalMart 5000CL - Zales 4000CL-Kays 2900--Macys 5000CL /SSFCU 5000CL / CitiBank Diamond Pref 15000CL - CHASE Freedom 13500CL -Lowes 10,000 CL - BBuyStoreCard 10,000CL Sears Store Card (Citi) 3000 - Firestone CFNB 1400 Toyota Financial $35,000 Auto -2200DiscountTire(GECRB) Citi TY Preferred 8100CL - Chase Slate$4000-BofA15000-ToyotaRewardsVisa$10,700 -BofA$8500 AMEX BCE 9,500
Message 1282 of 4,736
CribDuchess
Established Contributor

Re: Auto Loan Approvals!

APPROVING BANK:  American Honda Finance Corp      
BUREAU PULLED:   Equifax
CREDIT SCORE:     777  (I’m guessing it was auto-enhanced?)
CUSTOMER STATE OF RESIDENCE:  Washington
NEW/USED:  New
YEAR OF VEHICLE:  2012

MAKE:  Acura

MODEL:  TSX w/Tech Pkg
MILEAGE:  19
RETAIL/LEASE:  Retail
AMOUNT OF LOAN:  $34,744
TERM CONTRACTED:  60 months
APR/LEASE RATE:   0.9%
MONTHLY PAYMENT:  $592

ANNUAL INCOME:  $132K
MISCELLANEOUS COMMENTARY:  Includes GAP and ChipProtect.  Very happy that I qualified for the promo interest rate of 0.9%.  Love the car!

 

FICOs: TU08 842 EQ08 850 EX08 850

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex BCE $12K; Apple Card $20K; BofA Travel Rewards Visa Sig $67.6K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Chase Freedom Unlimited $21.4K; Citi Costco Visa $19.3K; Citi Double Cash $13.5K; Citi Simplicity Visa $23.3K; Discover IT $50K; Fidelity Visa $25K; NFCU Flagship Visa Sig $40K; NFCU More Rewards Amex $30K; PenFed Plat Rewards Visa Sig $50K; Sears MC $10.1K; US Bank Altitude Go Visa Sig $20K; US Bank Cash+ Visa Sig $26K; Wells Fargo Rewards Visa Sig $14K
Message 1283 of 4,736
Anonymous
Not applicable

Re: Auto Loan Approvals!

My daughter Labor day deal.
APPROVING BANK: NISSAN
BUREAU PULLED: TU  EQUIFAX
CREDIT SCORE:772 668
CUSTOMER STATE OF RESIDENCE: Ca
NEW/USED: New
YEAR OF VEHICLE:2013
MAKE: Nissan
MODEL:Alitma
MILEAGE:14
RETAIL/LEASE:loan
AMOUNT OF LOAN:25235
TERM CONTRACTED: 72
APR/LEASE RATE: 3%
MONTHLY PAYMENT:$385
ANNUAL INCOME: $32k
MISCELLANEOUS COMMENTARY: Got a Cap 1 blank check with 3.25% apr dealer begged to let him run credit so I did and he said ok  to 3%.
I was trading in a 2009 Altma but I got a low balled offer. I sold the car to Carmax for 2k more than he offered F&I was mad at me.
Message 1284 of 4,736
Flying_High
Regular Contributor

Re: Auto Loan Approvals!

APPROVING BANK: Credit Union
BUREAU PULLED: EQ
CREDIT SCORE: 692
CUSTOMER STATE OF RESIDENCE: NC
NEW/USED: Used
YEAR OF VEHICLE:  2004-2011

MAKE: NA

MODEL: NA
MILEAGE: NA
RETAIL/LEASE: NA
AMOUNT OF LOAN: $10,000
TERM CONTRACTED: 72
APR/LEASE RATE: 6.00%-7.25%
MONTHLY PAYMENT: NA

MISCELLANEOUS COMMENTARY..

For the loan amount the car/truck had to be nomore then $10,000 It wasnt going to get me a 2009 truck, so I decided to hold off save $$$ and get finance from the dealer

As of 9/13"
Starting Score: 600
Goal Score: 740
Garden till 10/14"
Message 1285 of 4,736
Anonymous
Not applicable

Re: Auto Loan Approvals!

APPROVING BANK: Hyundai Motor Finance
BUREAU PULLED: TU
CREDIT SCORE: 729
CUSTOMER STATE OF RESIDENCE: PA
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Hyundai
MODEL: Sonata
MILEAGE: 18
RETAIL/LEASE: lease
AMOUNT OF LOAN: n/a
TERM CONTRACTED: 36 months
APR/LEASE RATE: n/a
MONTHLY PAYMENT: $252
ANNUAL INCOME: $23,000
MISCELLANEOUS COMMENTARY: First auto loan/lease with limited credit history (i'm 22) and was approved without a cosigner!
Message 1286 of 4,736
blackie1
Valued Member

Re: Auto Loan Approvals!

 

 

 

 

 

Was any money down required?

 

 

 

 

 

 

 

 

 

w

 

 

 

 

 

 

 

2fst4u
Message 1287 of 4,736
Anonymous
Not applicable

Re: Auto Loan Approvals!


@blackie1 wrote:

 

 

 

 

 

Was any money down required?

 

 

 

 

 

 

 

 

 

w

 

 

 

 

 

 

 


If you're asking me, then no, no money down was required.

Message 1288 of 4,736
Anonymous
Not applicable

Re: Auto Loan Approvals!


@Anonymous wrote:
My daughter Labor day deal.
APPROVING BANK: NISSAN
BUREAU PULLED: TU  EQUIFAX
CREDIT SCORE:772 668
CUSTOMER STATE OF RESIDENCE: Ca
NEW/USED: New
YEAR OF VEHICLE:2013
MAKE: Nissan
MODEL:Alitma
MILEAGE:14
RETAIL/LEASE:loan
AMOUNT OF LOAN:25235
TERM CONTRACTED: 72
APR/LEASE RATE: 3%
MONTHLY PAYMENT:$385
ANNUAL INCOME: $32k
MISCELLANEOUS COMMENTARY: Got a Cap 1 blank check with 3.25% apr dealer begged to let him run credit so I did and he said ok  to 3%.
I was trading in a 2009 Altma but I got a low balled offer. I sold the car to Carmax for 2k more than he offered F&I was mad at me.

Congrats. I am getting one soon. What trim was that?

Message 1289 of 4,736
locolady
Established Member

Re: Auto Loan Approvals!

She purchased the 2.5SV with convenices package, all the other dealer want $26,500 OTD. She paid off her negative equity on her 2009 Alitma and no money down for this one.

BK7 Filed 10/25/2010 Discharged 03/07/2011
Starting Score: 10/26/2010 EQ 475 10/26/2010 TU 498
Current Score: 6/12/2012 EQ 643 4/12/2011 TU 649
8/27/2011 Exp/Vantage 622
MyFico 654 8/27/2012
Goal Score: EQ 700 TU 700
Message 1290 of 4,736
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