Credit Card Center Advertiser Disclosure†
12-28-2012 08:42 AM
12-29-2012 09:41 AM
12-29-2012 10:49 AM
12-29-2012 10:50 AM
12-29-2012 09:49 PM - edited 12-29-2012 09:53 PM
12-30-2012 01:40 AM
MISCELLANEOUS COMMENTARY: Worked hard getting my scores up and getting approved through PenFed was great for my rate! Even though the car is not new, it is my first in about 5 years. Just needed an A to B work vehicle. Total owed is 6475 because of the gap ins. I also financed with no money down.
12-30-2012 08:26 PM
MISCELLANEOUS COMMENTARY: Zero down. I was pre-approved by my credit union at 7.9% for 48 mos or 6.9% for 36 mos and Cap One at 12.9% so I was very pleased the dealer could offer me 4.72% with less than perfect credit. I declined GAP insurance as I'm selling the car it's replacing for between $6-7k and will apply that towards the loan.
12-31-2012 10:32 AM - edited 12-31-2012 10:42 AM
12-31-2012 05:56 PM
APPROVING BANK: Ford Credit
BUREAU PULLED: EQ, EX
CREDIT SCORE: 776 EQ
CUSTOMER STATE OF RESIDENCE: LA
YEAR OF VEHICLE: 2013
MODEL: ESCAPE TITANIUM 2.0 Ecoboost 4WD
AMOUNT OF LOAN: $34535
TERM CONTRACTED: 60 MONTHS
APR/LEASE RATE: 3.70%
MONTHLY PAYMENT: $631
ANNUAL INCOME: 80K
Loaded car with every available option. Took the Ford financing to get an additional 1K in incentives. $31,959 sale price. Sticker was $37,020. Added the basic 100K Ford extended warranty and gap. 2K and change down, although I qualified for $0 down. This car is incredible. I looked at many competitors, but nothing else had this much car for the price.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.