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@vAirGo7 wrote:hey dzaf562, can i know which infiniti dealer you went to? i'm thinking to buy a G37 in coming months...
Thanks..
Edited...referring to a specific salesperson isn't allowed on here.
@Redissochi wrote:HOT DAMN I GOT APPROVED and the terms are pretty darn good for a 1st time buyer!
APPROVING BANK: Roadloans
BUREAU PULLED: EX
CREDIT SCORE:704
CUSTOMER STATE OF RESIDENCE:IL
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Chevy
MODEL: Camero
MILEAGE:0
RETAIL/LEASE: Retail
AMOUNT OF LOAN: Depends on final cost, approved to $28,455
TERM CONTRACTED: 72 months
APR/LEASE RATE: 6.47%
MONTHLY PAYMENT:??
ANNUAL INCOME: 36000
MISCELLANEOUS COMMENTARY: I have been getting denied left and right because I am a 1st time buyer and I have a whole lot of school loans which has been killing my DTI ratio. However, I am only required to pay $10 a month for them and I am not behind. I pulled the trigger on roadloans even though I have heard the terms have been awful for some, but I am really pleased at what they approved me for being a 1st time buyer. They approved me for WAAAY more than I need so I dont plan on maxing out on the approval amount. Hope to not go over $24000. NOW I CAN SHOP!!! Camero here I come!!
With that score, your rate is high. Give the dealer a chance to beat it. You might even get promo terms.
@Dustink wrote:
@Redissochi wrote:HOT DAMN I GOT APPROVED and the terms are pretty darn good for a 1st time buyer!
APPROVING BANK: Roadloans
BUREAU PULLED: EX
CREDIT SCORE:704
CUSTOMER STATE OF RESIDENCE:IL
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Chevy
MODEL: Camero
MILEAGE:0
RETAIL/LEASE: Retail
AMOUNT OF LOAN: Depends on final cost, approved to $28,455
TERM CONTRACTED: 72 months
APR/LEASE RATE: 6.47%
MONTHLY PAYMENT:??
ANNUAL INCOME: 36000
MISCELLANEOUS COMMENTARY: I have been getting denied left and right because I am a 1st time buyer and I have a whole lot of school loans which has been killing my DTI ratio. However, I am only required to pay $10 a month for them and I am not behind. I pulled the trigger on roadloans even though I have heard the terms have been awful for some, but I am really pleased at what they approved me for being a 1st time buyer. They approved me for WAAAY more than I need so I dont plan on maxing out on the approval amount. Hope to not go over $24000. NOW I CAN SHOP!!! Camero here I come!!With that score, your rate is high. Give the dealer a chance to beat it. You might even get promo terms.
True, but will probably do better with a credit union...6.47% is not prime, but it is a Prime Rate for the Term (72mo), if it was a 60mo term than yea I would totally agree to go with the dealer.
@hrguy wrote:
@Dustink wrote:
@Redissochi wrote:HOT DAMN I GOT APPROVED and the terms are pretty darn good for a 1st time buyer!
APPROVING BANK: Roadloans
BUREAU PULLED: EX
CREDIT SCORE:704
CUSTOMER STATE OF RESIDENCE:IL
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Chevy
MODEL: Camero
MILEAGE:0
RETAIL/LEASE: Retail
AMOUNT OF LOAN: Depends on final cost, approved to $28,455
TERM CONTRACTED: 72 months
APR/LEASE RATE: 6.47%
MONTHLY PAYMENT:??
ANNUAL INCOME: 36000
MISCELLANEOUS COMMENTARY: I have been getting denied left and right because I am a 1st time buyer and I have a whole lot of school loans which has been killing my DTI ratio. However, I am only required to pay $10 a month for them and I am not behind. I pulled the trigger on roadloans even though I have heard the terms have been awful for some, but I am really pleased at what they approved me for being a 1st time buyer. They approved me for WAAAY more than I need so I dont plan on maxing out on the approval amount. Hope to not go over $24000. NOW I CAN SHOP!!! Camero here I come!!With that score, your rate is high. Give the dealer a chance to beat it. You might even get promo terms.
True, but will probably do better with a credit union...6.47% is not prime, but it is a Prime Rate for the Term (72mo), if it was a 60mo term than yea I would totally agree to go with the dealer.
That's another point. Go with a 60 month loan at the longest.
Well BOA just approved me for $25k at 3.09% 60 months....think I found a winner LOL I am soooo happy because all the denials were depressing me seriously! And my car I have now has been costing waay more to fix...I was about to give up. This site has helped a lot.
@Redissochi wrote:Well BOA just approved me for $25k at 3.09% 60 months....think I found a winner LOL I am soooo happy because all the denials were depressing me seriously! And my car I have now has been costing waay more to fix...I was about to give up. This site has helped a lot.
Woot!
Congrats
@Redissochi wrote:Well BOA just approved me for $25k at 3.09% 60 months....think I found a winner LOL I am soooo happy because all the denials were depressing me seriously! And my car I have now has been costing waay more to fix...I was about to give up. This site has helped a lot.
Let the dealer beat it.
APPROVING BANK:Northewest Community Credit Union
BUREAU PULLED:TU
CREDIT SCORE:738
CUSTOMER STATE OF RESIDENCER
NEW/USED:New
YEAR OF VEHICLE:2013
MAKE:Chevy
MODEL:Camaro
MILEAGE:15
RETAIL/LEASE:Retail
AMOUNT OF LOAN:26400
TERM CONTRACTED:72
APR/LEASE RATE:2.49%
MONTHLY PAYMENT:$401.49
ANNUAL INCOME:36,000
DEBT TO INCOME RATIO:37% with this loan
MISCELLANEOUS COMMENTARY:
APPROVING BANK: ALLY
BUREAU PULLED: EXPERIAN & MAYBE TU
CREDIT SCORE: 670 FACO EXPERIAN, 652 AUTO ENHANCED TU (FROM ANOTHER DEALER)
CUSTOMER STATE OF RESIDENCE: NJ
NEW/USED: NEW
YEAR OF VEHICLE: 2013
MAKE: CADILLAC
MODEL: ATS
MILEAGE: 4157
RETAIL/LEASE: LEASE
AMOUNT OF LOAN: CONTRACT SIGNED FOR ~40K, INCLUDED $7K NEGATIVE EQUITY, TAXES, TAGS, FEES, ETC
TERM CONTRACTED: 36 MONTHS
APR/LEASE RATE: NOT SURE
MONTHLY PAYMENT: 545
ANNUAL INCOME: 50K
DEBT TO INCOME RATIO: ~50% INCLUDING RENT
MISCELLANEOUS COMMENTARY:
HAD A CAP1 @18% ON A 2011 ALTIMA, MONTHLY PMT $587. ALTIMA GOT ABOUT 7K IN NEGATIVE EQUITY WHICH GOT ROLLED INTO THE LEASE. LEASE IS ON A DEMO, 36000 MILE LEASE. WAS REALLY SURPRISED I GOT APPROVED, BUT APPARENTLY THE DEALER WAS ABLE TO GET ME INTO A TIER 1.