Reply
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

Re: Auto Loan Approvals!

TY, I figured as much.

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Contributor
luvandlife
Posts: 127
Registered: ‎05-29-2011
0

Re: Auto Loan Approvals!

APPROVING BANK: Wells Fargo
BUREAU PULLED: Unsure
CREDIT SCORE: EX 750, TU 740, EQ 739
CUSTOMER STATE OF RESIDENCE: California
NEW/USED: Used
YEAR OF VEHICLE: 2012
MAKE: Dodge
MODEL: Charger
MILEAGE: 12,000
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $23,130
TERM CONTRACTED: 72 months
APR/LEASE RATE: 3.79%
MONTHLY PAYMENT: $347
ANNUAL INCOME: $35,000
MISCELLANEOUS COMMENTARY: I was origianlly approved for a Capital One Blank
Check for $19, 350 and an APR of 3.86%. I was denied by my Credit Union because
of my income (on job for 3 months) so I thought I better use the blank check. Went to the
dealership wanting a 2010 Dodge Charger, ended up qualifying for tier one rates and
the dealer shopped me the best deal with Wells Fargo. Drove home HAPPY, HAPPY, HAPPY!


Starting Score:575 TU, 577 EQ, 610 EX
Current Score:740 TU, 739 EQ, 750 EX
Goal Score:700+

~Anything Worth While, Takes Time~
I'm done taking shortcuts. I choose the long route. I'll still get there~
Take the FICO Fitness Challenge
New Visitor
VIII
Posts: 4
Registered: ‎11-12-2012
0

Re: Auto Loan Approvals!

I shopped online and completion the finance application online. I walked in signed the papers and drove away.....easiest process ever, to be honest I will a little scared something wrong happened
APPROVING BANK: Honda Financial Services
BUREAU PULLED:TransUnion
CREDIT SCORE:690
CUSTOMER STATE OF RESIDENCE: Illinois
NEW/USED: New
YEAR OF VEHICLE: 2012
MAKE: Honda
MODEL: Crosstour
MILEAGE: 20
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 26K
TERM CONTRACTED: 72 months
APR/LEASE RATE: 1.9%
MONTHLY PAYMENT: $390
ANNUAL INCOME: $70K
MISCELLANEOUS COMMENTARY: Had a choice between 0.9% for 60 months or 1.9% for 72 months and I choose the 72 months
Valued Member
blackie1
Posts: 36
Registered: ‎06-26-2012
0

Re: Auto Loan Approvals!

With the deal you got on financing did you also get a discount off of the MSRP?

2fst4u
New Visitor
VIII
Posts: 4
Registered: ‎11-12-2012
0

Re: Auto Loan Approvals!

I got $2500 off MSRP and I put $0 down..The 26K included the extended warranty and GAP coverage

Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Auto Loan Approvals!

Congrats

New Visitor
VIII
Posts: 4
Registered: ‎11-12-2012
0

Re: Auto Loan Approvals!

Thank you

New Visitor
Juancho1790
Posts: 1
Registered: ‎11-13-2012
0

Re: Auto Loan Approvals!

APPROVING BANK:Ally 
BUREAU PULLED:EQ
CREDIT SCORE:682 & 649
CUSTOMER STATE OF RESIDENCE: Florida 
NEW/USED: NEW 
YEAR OF VEHICLE:2013
MAKE: Jeep
MODEL: Grand CHEROKEE LIMITED
MILEAGE:14
RETAIL/LEASE: Retail
AMOUNT OF LOAN:43.5k
TERM CONTRACTED:75
APR/LEASE RATE:5.9
MONTHLY PAYMENT:709
ANNUAL INCOME:105k combined
MISCELLANEOUS COMMENTARY: 2 car deal, had 9k of negative equity and only put 2.5k down, got the loaded limited model
 
APPROVING BANK:Ally
BUREAU PULLED:EQ
CREDIT SCORE:682 & 649
CUSTOMER STATE OF RESIDENCE:Florida 
NEW/USED:New
YEAR OF VEHICLE:2013
MAKE:smileyvery-happy:odge 
MODEL:Challenger 
MILEAGE:12
RETAIL/LEASE:Retail
AMOUNT OF LOAN:30k
TERM CONTRACTED:75
APR/LEASE RATE:75
MONTHLY PAYMENT:490
ANNUAL INCOME:105k Combined
MISCELLANEOUS COMENTARY: very good interest. Only 2.5 Down, had women negative equity but note a problem.

 

 

Established Member
Raw_Oyster
Posts: 19
Registered: ‎06-03-2012
0

Re: Auto Loan Approvals!

[ Edited ]
APPROVING BANK: Security Service FCU
BUREAU PULLED:EX
CREDIT SCORE:667
CUSTOMER STATE OF RESIDENCE: Texas
NEW/USED: NEW 
YEAR OF VEHICLE:2012
MAKE: Ford
MODEL: F150 XLT Crew Max Texas Edition
MILEAGE:42
RETAIL/LEASE: Retail
AMOUNT OF LOAN:38769 including TT&L
TERM CONTRACTED:75
APR/LEASE RATE:3.49
MONTHLY PAYMENT:581
ANNUAL INCOME:132k combined
MISCELLANEOUS COMMENTARY: Really sweet truck, came with chrome and towing package. Rolled $6,873 negative equity into the loan. MSRP was $39,175 received close to $9,000 on rebates, $500 down. I decided to add the GAP insurance due to the negative equity. Even with negative equity I ended up paying $2,489 under MSRP. Best time to buy a 2012 vehicle is now.
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Auto Loan Approvals!

Sweet and Congrats


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}