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APPROVING BANK: USAA
BUREAU PULLED: EQ
CREDIT SCORE: 649
CUSTOMER STATE OF RESIDENCE: SC
NEW/USED: USED
YEAR OF VEHICLE: 2009
BUREAU PULLED: EQ
CREDIT SCORE: 649
CUSTOMER STATE OF RESIDENCE: SC
NEW/USED: USED
YEAR OF VEHICLE: 2009
MAKE: HONDA
MODEL: ACCORD
MILEAGE: 45.000
RETAIL/LEASE: REFINANCED
AMOUNT OF LOAN: 18.500
TERM CONTRACTED: 60
APR/LEASE RATE: 4.95
MONTHLY PAYMENT: 349
MILEAGE: 45.000
RETAIL/LEASE: REFINANCED
AMOUNT OF LOAN: 18.500
TERM CONTRACTED: 60
APR/LEASE RATE: 4.95
MONTHLY PAYMENT: 349
ANNUAL INCOME: 85K
MISCELLANEOUS COMMENTARY: i love USAA. they refinanced from 20.9(santander) to 8.4 APR, then 1 month later my credit score up 20 pt from 62x to 649 they refinanced down to 4.9 . But i still have 2 CO with 0 balance and 1 unpaid medical CA
MISCELLANEOUS COMMENTARY: i love USAA. they refinanced from 20.9(santander) to 8.4 APR, then 1 month later my credit score up 20 pt from 62x to 649 they refinanced down to 4.9 . But i still have 2 CO with 0 balance and 1 unpaid medical CA
APPROVING BANK: Navy Federal Credit Union
BUREAU PULLED: EQ (??)
CREDIT SCORE: 688 EQ/690+ (Hubby's EQ)
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: New
YEAR OF VEHICLE: 2013
BUREAU PULLED: EQ (??)
CREDIT SCORE: 688 EQ/690+ (Hubby's EQ)
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Ford
MODEL: Edge SEL
MILEAGE: 0
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $34K
TERM CONTRACTED: 72 mos
APR/LEASE RATE: 2.79%
MONTHLY PAYMENT: $513
MILEAGE: 0
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $34K
TERM CONTRACTED: 72 mos
APR/LEASE RATE: 2.79%
MONTHLY PAYMENT: $513
ANNUAL INCOME: $66K+
MISCELLANEOUS COMMENTARY: So if you've read any of my posts, I originally went through USAA when I had 4K (620 EQ) in credit debt and was still approved for 25K (no budge) at 4.59% for 72 months. Well I decided not to take it and just pay off my credit cards and try again when it reported to my score/report. Well it finally reported and my score jumped to 688 EQ. I called USAA again and asked for $34K (tax and registration included) and they said no..only 20K at 12.99% (!!!!) Turns out they weren't calculating in my husbands special pays and after that, offered 29K but still 12.99%. I asked why such a huge interest rate difference from before when my credit score obviously jumped and debt became less. Guy agreed with me but had no idea why. So I applied with NFCU (became members last week) and they approved us for the full 34K in less than 10 minutes. I go pick up my check tomorrow and brand new ford edge in the morning
))) Everyone was right, NFCU is awesome!
MISCELLANEOUS COMMENTARY: So if you've read any of my posts, I originally went through USAA when I had 4K (620 EQ) in credit debt and was still approved for 25K (no budge) at 4.59% for 72 months. Well I decided not to take it and just pay off my credit cards and try again when it reported to my score/report. Well it finally reported and my score jumped to 688 EQ. I called USAA again and asked for $34K (tax and registration included) and they said no..only 20K at 12.99% (!!!!) Turns out they weren't calculating in my husbands special pays and after that, offered 29K but still 12.99%. I asked why such a huge interest rate difference from before when my credit score obviously jumped and debt became less. Guy agreed with me but had no idea why. So I applied with NFCU (became members last week) and they approved us for the full 34K in less than 10 minutes. I go pick up my check tomorrow and brand new ford edge in the morning
))) Everyone was right, NFCU is awesome!
LMBray09 wrote:APPROVING BANK: Navy Federal Credit Union
BUREAU PULLED: EQ (??)
CREDIT SCORE: 688 EQ/690+ (Hubby's EQ)
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: New
YEAR OF VEHICLE: 2013MAKE: FordMODEL: Edge SEL
MILEAGE: 0
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $34K
TERM CONTRACTED: 72 mos
APR/LEASE RATE: 2.79%
MONTHLY PAYMENT: $513ANNUAL INCOME: $66K+
MISCELLANEOUS COMMENTARY: So if you've read any of my posts, I originally went through USAA when I had 4K (620 EQ) in credit debt and was still approved for 25K (no budge) at 4.59% for 72 months. Well I decided not to take it and just pay off my credit cards and try again when it reported to my score/report. Well it finally reported and my score jumped to 688 EQ. I called USAA again and asked for $34K (tax and registration included) and they said no..only 20K at 12.99% (!!!!) Turns out they weren't calculating in my husbands special pays and after that, offered 29K but still 12.99%. I asked why such a huge interest rate difference from before when my credit score obviously jumped and debt became less. Guy agreed with me but had no idea why. So I applied with NFCU (became members last week) and they approved us for the full 34K in less than 10 minutes. I go pick up my check tomorrow and brand new ford edge in the morning
Congrats on your victory over the APR. I still do not understand why many people with 675+ keep on going with USAA and get a 4.99%+, when they can go with NFCU and get a 1.79-2.99% with the same score! It's a no brainer! Once again congrats and enjoy you new vehicle! 
APPROVING BANK: American Honda Financial Corp
BUREAU PULLED: Experian
CREDIT SCORE:605
CUSTOMER STATE OF RESIDENCE: NY
NEW/USED: Certified Used
YEAR OF VEHICLE: 2010
BUREAU PULLED: Experian
CREDIT SCORE:605
CUSTOMER STATE OF RESIDENCE: NY
NEW/USED: Certified Used
YEAR OF VEHICLE: 2010
MAKE: Honda
MODEL: CRV EX
MILEAGE: 25,600
RETAIL/LEASE: Retai
AMOUNT OF LOAN:$ 18, 323
MILEAGE: 25,600
RETAIL/LEASE: Retai
AMOUNT OF LOAN:$ 18, 323
TERM CONTRACTED: 5 yrs
APR/LEASE RATE: 11.09
MONTHLY PAYMENT: $ 399
APR/LEASE RATE: 11.09
MONTHLY PAYMENT: $ 399
ANNUAL INCOME: $ 40K
MISCELLANEOUS COMMENTARY: First time buyer, and I happy to get financed at with this rate given the dings and pings in my credit. This was the lowest rate I was offered (Roadloans, Credit Union, & recently denied by Chase, Honda & CapOne for loans). I figure in a year or so when I have developed a payment histroy and cleaned up my CR some more-I will try to refi at a much more decent rate. Thus far happy and very content.
MISCELLANEOUS COMMENTARY: First time buyer, and I happy to get financed at with this rate given the dings and pings in my credit. This was the lowest rate I was offered (Roadloans, Credit Union, & recently denied by Chase, Honda & CapOne for loans). I figure in a year or so when I have developed a payment histroy and cleaned up my CR some more-I will try to refi at a much more decent rate. Thus far happy and very content.
jessientyler0726 wrote:CUSTOMER STATE OF RESIDENCE: SC
NEW/USED: NEW
YEAR OF VEHICLE: 2012MAKE: HyundaiMODEL: Sonata HybridMILEAGE: 17RETAIL/LEASE: retail
AMOUNT OF LOAN: 27500
TERM CONTRACTED: 72
APR/LEASE RATE: 13.79
MONTHLY PAYMENT: 559ANNUAL INCOME: 52k
MISCELLANEOUS COMMENTARY: not thrilled about the APR but Carmax had offered me 24% on a used version of the same model with 7k on the car. Only went to dealership to test drive car, ended up getting a good deal and will be refinancing in about 6 months, just have to pay down credit cards since that is the only reason that my score is low.
Heh seriously congrats, I would've adored to get that rate with my own 551 Auto EX pull; seriously that dealer did you right, though admittedly I did get a pretty easy refinance 8 months later down to 6%, so likely once your CC debt is paid and you have positive history on the auto loan (6+ months) you likely can do better depending where your scores wind up.
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
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