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@Spoolingbyu wrote:APPROVING BANK: Suncoast Schools Federal CU
BUREAU PULLED Experian
CREDIT SCORE: 589 auto enhanced.
CUSTOMER STATE OF RESIDENCE: FL
NEW/USED: Used
YEAR OF VEHICLE: 2011MAKE: FordMODEL: Mustang GT Premium w/ vortech super charger
MILEAGE: 30102
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $27129 ($5000 Down) Includes Gap and 6/72k full extended warranty.
TERM CONTRACTED:72
APR/LEASE RATE:7.75
MONTHLY PAYMENT: 473ANNUAL INCOME: $61k
MISCELLANEOUS COMMENTARY: I have seven medical collections that have been paid and haven't updated on my TU and EQ reports and should be updated this month. I was turned down by every bank including both BoA and my personal CU for loans and both have checking accounts with $10k+ in each of them. My EX report has only one collection that is in dispute cause it was paid to the OC before it went to the CA. My fako pulled score is 515 with one credit card showing a 83% utilization which has a $200 limit that I PIF every time it's used. I used it with out realizing it was the day before reporting and there is a 3 day wait before I could pay it.I have one auto loan ($430.00 Month) with Santander already with a 24% interest rate which they approved me for another loan as well, but only if I traded my old car in and it was at 18% apr.
I super excited. I wasn't even going to try to purchase another vehicle until my credit reports updated but my 1 year old threw up in the car so we pulled over at the Toyota dealer to clean her up and a swarm of sales guys came over trying to sell my wife a Mini van. She mentioned that if we buy anything it will be a mustang and the sales guy said "today is your lucky day, we just got a trade in this morning you might be interested in." They said it was a one owner bone stock car. When they gave me the keys and I cranked it up first thing I heard was the vortech charger. I cut it off and said lets do paper work. The salesmen said he was going to let the maintenance department check out the noise but I told him its power steering noise on cold start up and it is normal with mustangs. Either way I got the car wanted to begin with, the color I want, fully loaded, and supercharged already. I'm ecstatic. I can't go to sleep.
Lol at the dealership not recognizing the supercharger. Congrats on finding this steal.
APPROVING BANK: Navy Federal
BUREAU PULLED: Not sure, I think all 3
CREDIT SCORE: didn’t tell me, but mortgage broker pulled last week 618
CUSTOMER STATE OF RESIDENCE: CO
NEW/USED: Refinance
YEAR OF VEHICLE: 2005
MAKE: BMW
MODEL: X5
MILEAGE: 120,000
RETAIL/LEASE: RETAIL/REFINANCE
AMOUNT OF LOAN: $14,065
TERM CONTRACTED: 60 MONTHS
APR/LEASE RATE: 4.49
MONTHLY PAYMENT: 263
ANNUAL INCOME: 107,500
MISCELLANEOUS COMMENTARY:
I cannot believe I was approved at that rate! The original loan on this car was $18,800 at 22% interest! That loan was originated in Nov. 2010. We have been working on really trying to improve our credit so that we can buy a home again. I was approved by myself; I didn’t want my husband to be on the loan because he had a prior voluntary repossession. This board has helped us so much and I still cannot believe it. I was looking for some new credit entries per the recommendation of our mortgage broker. She said because our DTI was so low (16%) that we actually should go out and buy a new car. However, we didn’t want to spend the money so I thought I would take a shot at refinancing and it worked. I love NAVY FEDERAL!!!!!!!
@Schoolbuskid wrote:This thread is to be used for your Auto Loan Approvals just copy and paste!APPROVING BANK:
BUREAU PULLED:
CREDIT SCORE:
CUSTOMER STATE OF RESIDENCE:
NEW/USED:
YEAR OF VEHICLE:MAKE:MODEL:
MILEAGE:
RETAIL/LEASE:
AMOUNT OF LOAN:
TERM CONTRACTED:
APR/LEASE RATE:
MONTHLY PAYMENT:ANNUAL INCOME:
MISCELLANEOUS COMMENTARY:
Message Edited by Schoolbuskid on 05-31-2008 09:46 AM
***** I edit the amount of price *******
APPROVING BANK: AmeriCredit
BUREAU PULLED: All
CREDIT SCORE: 560-600
CUSTOMER STATE OF RESIDENCE: NC
NEW/USED: Used
YEAR OF VEHICLE: 2010
MAKE: Mazda
MODEL: 5Dr HB S
MILEAGE: 30,000
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $30,080 $18,365<--- this amount on Credit Report
TERM CONTRACTED: 72mos
APR/LEASE RATE: 17.95%
MONTHLY PAYMENT: $417.78
MISCELLANEOUS COMMENTARY: I can only hope I made the right decision being that the APR is high.
@Flying_High wrote:APPROVING BANK: AmeriCredit
BUREAU PULLED: All
CREDIT SCORE: 560-600
CUSTOMER STATE OF RESIDENCE: NC
NEW/USED: Used
YEAR OF VEHICLE: 2010MAKE: Mazda
MODEL: 5Dr HB S
MILEAGE: 30,000
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $30.080
TERM CONTRACTED: 72mos
APR/LEASE RATE: 17.95%
MONTHLY PAYMENT: $417.78
MISCELLANEOUS COMMENTARY: I can only hope I made the right decision being that the APR is high.
@A 3.5 year old Mazda used with 30,000 miles for $30,000.00?????? How much did you roll over? Your auto loan doesn't add up. $30,080.00 over 72 months @ 17.95% interest, should be around a $685.00 payment, with total amount of payments equaling $49,320.00
@mtrsprt wrote:
@Flying_High wrote:APPROVING BANK: AmeriCredit
BUREAU PULLED: All
CREDIT SCORE: 560-600
CUSTOMER STATE OF RESIDENCE: NC
NEW/USED: Used
YEAR OF VEHICLE: 2010MAKE: Mazda
MODEL: 5Dr HB S
MILEAGE: 30,000
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $30.080
TERM CONTRACTED: 72mos
APR/LEASE RATE: 17.95%
MONTHLY PAYMENT: $417.78
MISCELLANEOUS COMMENTARY: I can only hope I made the right decision being that the APR is high.@A 3.5 year old Mazda used with 30,000 miles for $30,000.00?????? How much did you roll over? Your auto loan doesn't add up. $30,080.00 over 72 months @ 17.95% interest, should be around a $685.00 payment, with total amount of payments equaling $49,320.00
Nope thats all right this is what it saids on paper.
APR %17.95 Number of payments 72, Bill beg 04/09/13 of $417.78 yes this is my first payment.
Cash price of vehicle $16,500 + tax fee came to $17,563.00 I put down $1,250.00 Total $18,213.00
Finance charge me $11,867.16 + $18,213.00 = $30,080.16 Total Sale Price $31,330.16 - $1,250 = $30,080
@mahiven wrote:
Ah, he included the interest in the amount of loan. It was really only $18k.
Yeah he did, Its ok tho I plan on paying it off within 3 years.