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APPROVING BANK: Capital One
BUREAU PULLED: Experian
CREDIT SCORE: 676
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: Used
YEAR OF VEHICLE: 2011
MAKE: Chevrolet
MODEL: Aveo LT
MILEAGE: 36,520
RETAIL/LEASE: $13,990, lowered it to $13,190
AMOUNT OF LOAN: $14,242.60
TERM CONTRACTED: 60 Months
APR/LEASE RATE: 14.99%
MONTHLY PAYMENT: $340.87
ANNUAL INCOME: $23,000
MISCELLANEOUS COMMENTARY: Just actually got called back to the dealer, they found me a credit union that would give me a loan at 3.49% apr & lowered my monthly payments to $300.54 a month if I accepted GAP insurance & a full warrenty to cover 100% of any damage or car failure. So I think I did good for a first time buyer
@armedxwithxaxmind wrote:MISCELLANEOUS COMMENTARY: Just actually got called back to the dealer, they found me a credit union that would give me a loan at 3.49% apr & lowered my monthly payments to $300.54 a month if I accepted GAP insurance & a full warrenty to cover 100% of any damage or car failure. So I think I did good for a first time buyer
I think I would need to go down to the dealer and see where they said you have to buy and extended warranty. Gap I can understand but not the warranty. I am not saying warranties are bad but be very careful with the extended warranty and make sure you are getting the best price. I would get some online quotes from 3rd party companies to compare with the dealer. This is only if the CU said they will only finance you if you buy an extended warranty which I doubt that they said. Check out USAA https://www.usaa.com/inet/pages/extended_vehicle_protection_program_main_page?akredirect=true
APPROVING BANK: ALLY
BUREAU PULLED: TU
CREDIT SCORE:EX 650 TU 653 EQ675
CUSTOMER STATE OF RESIDENCE: IL
NEW/USED: NEW
YEAR OF VEHICLE: 2012
MAKE: VW
MODEL: JETTA SE
MILEAGE: NEW
RETAIL/LEASE: BUY
AMOUNT OF LOAN: 23500 ZERO DOWN includes extended bumper2bumper for 6yrs
TERM CONTRACTED: 72
APR/LEASE RATE: 6.99
MONTHLY PAYMENT: 400.78
ANNUAL INCOME: 96000
Was preapproved by cap1 blank check for used up to 18k @ 7.8% 110% LTV pulled all three CR, also got preapproved by roadloans used up to 36k 8.8% with 3500 down or 11.4% with ZERO down 128% LTV they pulled EX, found new left over 2012
jetta SE reduced to 19500 from 22800 sticker. Agreed to buy car for price knowing I was preapproved then made dealership finance guy go to work getting me way better rate 6.99 with ZERO down included extended warranty in loan thru ALLY they pulled TU. Truly sign and drive!! I have 3 collections on experian 2 on trans union and clean EQ. Ive needed a new car sooo bad and have been scared of being declined for financing, I started here in Nov with a 570 score it is now 675 and climbing woohoo. A big thanks to this forum........
APPROVING BANK: Honda Finance
BUREAU PULLED: Equifax
CREDIT SCORE: 672
CUSTOMER STATE OF RESIDENCE: Oklahoma
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Honda
MODEL: Pilot EX-L
MILEAGE: 25
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $31,073
TERM CONTRACTED: 72
APR/LEASE RATE: 3.49
MONTHLY PAYMENT: $478
ANNUAL INCOME: $110K
DEBT TO INCOME RATIO: 41% (post new loan)
MISCELLANEOUS COMMENTARY: Walked in with 4.39% / 72 from BofA but Honda beat it. I was hoping for 0.9 / 60 but I knew my scores were going to come up a litte short and they did.
APPROVING BANK: Mercedes Benz Financial
BUREAU PULLED: TU
CREDIT SCORE: 740
CUSTOMER STATE OF RESIDENCE: New Jersey
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Mercedes Benz
MODEL:C300 Sport 4Matic
MILEAGE:0
RETAIL/LEASE:$43,000
AMOUNT OF LOAN:
TERM CONTRACTED: 48 months
APR/LEASE RATE: 2.4%
MONTHLY PAYMENT: $369/month
ANNUAL INCOME: $92,000
MISCELLANEOUS COMMENTARY: Traded in our 2009 C-300