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Established Member
Posts: 41
Registered: ‎06-01-2011
0

Re: Auto Loan Approvals!

Applied to DCU: Approved for $25K @ 5.49 % for 60 Months

New Member
Posts: 3
Registered: ‎02-04-2011
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Re: Auto Loan Approvals!

APPROVING BANK:  FL Central Credit Union
BUREAU PULLED:  Experian
CREDIT SCORE:  679
CUSTOMER STATE OF RESIDENCE: FL
NEW/USED:  New
YEAR OF VEHICLE: 2012
MAKE: Nissan
MODEL:  Versa
MILEAGE: 45
RETAIL/LEASE: Ret
AMOUNT OF LOAN:  14000
TERM CONTRACTED: 60
APR/LEASE RATE: 6.9
MONTHLY PAYMENT: 274
ANNUAL INCOME:  20000
MISCELLANEOUS COMMENTARY: Dealer wouldnt touch me due to repo & public rec in 08- cu gave me a B credit rating
Established Contributor
Posts: 505
Registered: ‎11-05-2012
0

Re: Auto Loan Approvals!

[ Edited ]
APPROVING BANK: NFCU
BUREAU PULLED: EQ+TU
CREDIT SCORE:623-660
CUSTOMER STATE OF RESIDENCE: South Carolina
NEW/USED: refinance
YEAR OF VEHICLE: 2009
MAKE:Honda
MODEL:Acc4D
MILEAGE:45000
RETAIL/LEASE:18500
AMOUNT OF LOAN:18500
TERM CONTRACTED:60
APR/LEASE RATE:5.99
MONTHLY PAYMENT:under 400
ANNUAL INCOME:60000
MISCELLANEOUS COMMENTARY:God financed from SANTANDER 20.99 paid 1 month then Refinance though NFCU. i tell you NFCU is Amazing.i Luv NFCU
10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Contributor
Posts: 92
Registered: ‎09-19-2012
0

Re: Auto Loan Approvals!

What was ur payment with SANTANDER @ 20.99 prior to your refinancing with NFCU?

Starting Score: TU 614 EX584
Current Score: TU 650/EX 650 (Walmart)
Goal Score: 710


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Established Contributor
Posts: 505
Registered: ‎11-05-2012
0

Re: Auto Loan Approvals!

442 for 73 months. Is this crazy? Now refinance to 60 months with 5.99

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Contributor
Posts: 92
Registered: ‎09-19-2012
0

Re: Auto Loan Approvals!

What a huge difference, I wonder why you int rate Santander was soo high? 20.99?, you'd FICO wasn't terrible

Starting Score: TU 614 EX584
Current Score: TU 650/EX 650 (Walmart)
Goal Score: 710


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Established Contributor
Posts: 505
Registered: ‎11-05-2012
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Re: Auto Loan Approvals!

I got in a dealer trap. They told me Santander is the only 1 pick me up, another couple turn me down. At that time I need a car,bc my old card stop work.then this month I found out. My brother been in military before, then I joint NFCU.

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Contributor
Posts: 81
Registered: ‎07-15-2012
0

Re: Auto Loan Approvals!

APPROVING BANK: Audi financial service
BUREAU PULLED: transunion
CREDIT SCORE: 785 auto enhanced, 710 non auto enhanced
CUSTOMER STATE OF RESIDENCE: ca
NEW/USED: new
YEAR OF VEHICLE: 2013
MAKE: audi
MODEL: A4 Quattro 
MILEAGE: 0
RETAIL/LEASE: lease
AMOUNT OF LOAN: 45000
TERM CONTRACTED: 42 months
APR/LEASE RATE: 
MONTHLY PAYMENT: 450
ANNUAL INCOME : 33000
MISCELLANEOUS COMMENTARY:
I got my car in July, was initially denied by finance because of my age ( I was 19, now 20) and lack long credit history, however the finance manager at dealership apealed and got me approved. I am so happy that all my hard work to take care of my credit pulled off. I will definitely be enjoying the next 3 years. 

 

Chase Freedom 3000
Chase Sapphire Preferred 5000
American Express Blue Cash Preferred 6300
Bank of America Travel Rewards 5000
Bank of America Cash Rewards 3000
Discover IT 4000
Best Buy 4000
TU 733 EQ 743 EX 722
Contributor
Posts: 193
Registered: ‎04-01-2012
0

Re: Auto Loan Approvals!

^ How did you get a $45,000 loan for only 450 a month??  Even with 0% interest that would be over 8 years of payments...




Starting Score: 583 (CreditKarma, 2009)
Current Score: 783 (Walmart Free FICO, March 20, 2012), 774 (Equifax, BoA Pull, 2/20/13)
Goal Score: 800+


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Valued Contributor
Posts: 1,265
Registered: ‎09-14-2012
0

Re: Auto Loan Approvals!

[ Edited ]

BlueHusky wrote:

^ How did you get a $45,000 loan for only 450 a month??  Even with 0% interest that would be over 8 years of payments...


Its a lease.  Means there is probably going to be $25k or so due at the end of the lease

Never take credit personally

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