ALLevesque wrote:APPROVING BANK: Subaru (JP Morgan)
BUREAU PULLED: Unsure of what Dealer pulled, he just said both husband and I were over 700- enough to get Tier I
CREDIT SCORE: 714 as of November- TU
CUSTOMER STATE OF RESIDENCE: ME
NEW/USED: NEW
YEAR OF VEHICLE: 2013
MAKE: Subaru
MODEL: Forester 2.5X w/ Alloy Wheels
MILEAGE: 4
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: $25,XXX
TERM CONTRACTED: 72 Mos
APR/LEASE RATE: 1.9%
MONTHLY PAYMENT: $382
ANNUAL INCOME: 75k
MISCELLANEOUS COMMENTARY: MSRP was $23,823. We purchased the GAP and a service plan (I think about $1300 combined), and rolled over about 2k in negative equity. I think we did pretty good. We initially started at a Nissan dealer this morning but they just didnt get us where we wanted to be on the price or trade in.-- In the end they got the trade in pretty close, but price still wasn't what I wanted and they supposedly couldnt get the rate lower than 3.69%, which I know they were just trying to make up for the trade.... so we walked and I e-mailed a guy I had previously worked with a couple months ago at the Subaru dealer to see if they had any year end deals going on the foresters. I'm very happy with the forester- I think it was a better choice over the rogue, we definitely needed something with AWD to handle the snow this winter.
What Subaru dealer? Patriot or Evergreen? I bought a car before at Patriot, but I know a few guys at Evergreen. Great guys over there.
I can't believe I can finally do this!!
BUREAU PULLED: EQ
CREDIT SCORE: 660
CUSTOMER STATE OF RESIDENCE: RI
NEW/USED: USED
YEAR OF VEHICLE:2006
MILEAGE: 72000
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: 15-17k
TERM CONTRACTED: 65 months
APR/LEASE RATE: 5.49%
MONTHLY PAYMENT: $280-$300
MISCELLANEOUS COMMENTARY: Approved at 100% of book value, which is about 21k, but will finance about 16k after trade. Still not done by a longshot, still need to negotiate the actual car, but I don't believe we're that far off. In addition, this gives me the confidence in knowing I can finance another one if I need to walk from this. Really, really excited about it.
BUREAU PULLED: Equifax
CREDIT SCORE: 663 "Score Dealer showed me"
CUSTOMER STATE OF RESIDENCE: VA
NEW/USED: New
YEAR OF VEHICLE: 2013
MILEAGE: 03
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $21,288.94
TERM CONTRACTED: 72
APR/LEASE RATE: 9.9%
MONTHLY PAYMENT: $155.72
MISCELLANEOUS COMMENTARY: 10k trade in offer on my 2005 Sport Trac with 51k miles. Was also offered an additional rebate of $2,895 bringing total down payment to $12,895. Financing $8,393.94 @ 9.9% apr = $11,211.84. No credit history and my first loan ever.
BUREAU PULLED:Transunion Auto Enhanced
CREDIT SCORE:659
CUSTOMER STATE OF RESIDENCE:TX
NEW/USED:NEW
YEAR OF VEHICLE:2012
MILEAGE:24
RETAIL/LEASE
urchaseAMOUNT OF LOAN:23500
TERM CONTRACTED:5
APR/LEASE RATE:0%
MONTHLY PAYMENT:427
MISCELLANEOUS COMMENTARY: I got 1500 below invoice.
BUREAU PULLED: All
CREDIT SCORE: Lender pull 616/637/647
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: Used
YEAR OF VEHICLE: 2005
MILEAGE: 111k
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $16k
TERM CONTRACTED: 54 Months
APR/LEASE RATE: 15.99%
MONTHLY PAYMENT: $420
MISCELLANEOUS COMMENTARY: $1500 down
Starting Score: 600
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