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Valued Member
osudelt00
Posts: 33
Registered: ‎03-29-2013
0

Re: Auto Loan Approvals!

APPROVING BANK: Infiniti
BUREAU PULLED: Transunion
CREDIT SCORE: 685
CUSTOMER STATE OF RESIDENCE: IL
NEW/USED:USED (Certified)
YEAR OF VEHICLE: 2010
MAKE:Infiniti
MODEL:G37X
MILEAGE:27,000
RETAIL/LEASE:Retail
AMOUNT OF LOAN:$25,600
TERM CONTRACTED:72 mo
APR/LEASE RATE:2.84
MONTHLY PAYMENT:$384
ANNUAL INCOME:70k
DEBT TO INCOME RATIO:

 

MISCELLANEOUS COMMENTARY:

Well I never expected this.. I went in for a test drive and up front told them I was going to my credit union and showed them their rate 2.79. I hadnt even joined alliant yet and without knowing my score the dealer said they would match.. lol.. I had a repo from 2006 that shows paid on my TU report and they still basically matched the Credit Unions rate. I put 1000 down and traded in my Ford Taurus that was on its last leg and paid off. Funny thing is this car payment is about the same as my Taurus that was at a 18% intrerest.. The car is one owner with the premium / navigation and illuminated kick plates.. Still getting used to the thing but LOVE IT.. It does pay to fix your credit. Also I did get the 72 Months but I am paying more than my 384 a month payment.. 


Starting Score: 550
Current Score EQ: 688 Sep/7/13
Current Score TU: 686 Sep/7/13
Goal Score: 720


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Regular Contributor
aurelie00
Posts: 193
Registered: ‎03-27-2013
0

Re: Auto Loan Approvals!

APPROVING BANK: Ford Motor Credit
BUREAU PULLED:  Transunion
CREDIT SCORE: 580
CUSTOMER STATE OF RESIDENCE:  WI
NEW/USED:  New
YEAR OF VEHICLE: 2013
MAKE: Ford
MODEL: Focus
MILEAGE: 24
RETAIL/LEASE:  Retail
AMOUNT OF LOAN: 21,656
TERM CONTRACTED: 72 mos
APR/LEASE RATE: 3.9%
MONTHLY PAYMENT: $321
ANNUAL INCOME: $46,000
DEBT TO INCOME RATIO: 
MISCELLANEOUS COMMENTARY:


Starting Score: 524
Current Score: 702
Goal Score: 720


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Established Member
chakita
Posts: 29
Registered: ‎08-13-2012
0

Re: Auto Loan Approvals!


aurelie00 wrote:

APPROVING BANK: Ford Motor Credit
BUREAU PULLED:  Transunion
CREDIT SCORE: 580
CUSTOMER STATE OF RESIDENCE:  WI
NEW/USED:  New
YEAR OF VEHICLE: 2013
MAKE: Ford
MODEL: Focus
MILEAGE: 24
RETAIL/LEASE:  Retail
AMOUNT OF LOAN: 21,656
TERM CONTRACTED: 72 mos
APR/LEASE RATE: 3.9%
MONTHLY PAYMENT: $321
ANNUAL INCOME: $46,000
DEBT TO INCOME RATIO: 
MISCELLANEOUS COMMENTARY:


Congrats!  That is great APR!

Starting Score: 616 (Credit Karma: 606, Quizzle 597)
Current Score: 640 (Credit Karma: 624, Quizzle 631)
Goal Score: 700
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Contributor
drboxing
Posts: 91
Registered: ‎09-19-2012
0

Re: Auto Loan Approvals!

Congrats on your new vehicle and great APR, did u have to give a big downpayment

Starting Score: TU 614 EX584
Current Score: TU 650/EX 650 (Walmart)
Goal Score: 710


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Member
Woeasmee
Posts: 7
Registered: ‎06-28-2013
0

Re: Auto Loan Approvals!

This thread is to be used for your Auto Loan Approvals just copy and paste!
 
APPROVING BANK: NFCU
BUREAU PULLED: Equifax
CREDIT SCORE: 635
CUSTOMER STATE OF RESIDENCE: South Carolina
NEW/USED: USED
YEAR OF VEHICLE: 2007
MAKE: Chrysler
MODEL: Town and Country
MILEAGE: 167000
RETAIL/LEASE:
AMOUNT OF LOAN: 3800
TERM CONTRACTED: 24 months
APR/LEASE RATE: 2.49
MONTHLY PAYMENT: 172
ANNUAL INCOME: 74k
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY: BK-7 Discharged 6/2012, refinanced to build positive trade line




BK Chapter7 Discharged 6/2012
CU Rewards Secured 1000, CU Cash Rewards 500, Cap 1 Platinum 1000

Starting Score: 643
Current Score: 658
Goal Score: 700

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New Contributor
mytime321
Posts: 108
Registered: ‎09-09-2012
0

Re: Auto Loan Approvals!

3.9% with a 580 score?  That's crazy.

Member
MartyFisher92100
Posts: 103
Registered: ‎06-29-2013
0

Re: Auto Loan Approvals!

APPROVING BANK: Mercedes-Benz Financial Services
BUREAU PULLED: Experian
CREDIT SCORE: 735
CUSTOMER STATE OF RESIDENCE: New York
NEW/USED: New
YEAR OF VEHICLE: 2013 
MAKE: Mercedes-Benz
MODEL: E550
MILEAGE: 0
RETAIL/LEASE: Lease
AMOUNT OF LOAN: 69,890.00
TERM CONTRACTED: 36 Month, No Money Down
APR/LEASE RATE: Lease
MONTHLY PAYMENT: $848.42


mytime321 wrote:

3.9% with a 580 score?  That's crazy.




ANNUAL INCOME: 350k
DEBT TO INCOME RATIO: 25 %
MISCELLANEOUS COMMENTARY:

Amex Platinum Amex Blue - 30k Chase Freedom - $25k Discover IT 22K Lowes - $24k Citi ThankYou 16k Amex Delta 15k
Home Depot - 18k Bloomingdales - $12k Nordstrom - 8k Saks 6k
Macys 5k Walmart 3k Vic Secret 1.5
Frequent Contributor
Scuba
Posts: 455
Registered: ‎06-08-2008
0

Re: Auto Loan Approvals!

Can you get a loan thru Ford again if you have had late payments with them in the past?

 

I was late multiple times in the 2008 / 2009 time period with Ford and want to get another loan for a 2014 model.

 

I have had 2 other cars since then with perfect payment histories but they were not Ford's.

 

 Do you think I can get their premium rate?

 

Member
CycleNKY
Posts: 17
Registered: ‎02-28-2013
0

Re: Auto Loan Approvals!

APPROVING BANK: NFCU
BUREAU PULLED: Equifax
CREDIT SCORE: 601
CUSTOMER STATE OF RESIDENCE: KY
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Honda
MODEL: Accord Coupe EX-L V6
MILEAGE: 2
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 32, 473 O.T.D.
TERM CONTRACTED: 72 Months
APR/LEASE RATE: 2.79%
MONTHLY PAYMENT: $487
ANNUAL INCOME: 88k
DEBT TO INCOME RATIO: Very low this is my only payment
MISCELLANEOUS COMMENTARY: 1 month out of BK13. used usaa car buying for negotiating, price shown includes $1500 in options and tax title and license. NFCU amazes me...
Regular Contributor
cyberone28
Posts: 135
Registered: ‎03-06-2013
0

Re: Auto Loan Approvals!

APPROVING BANK:    CAPITAL ONE AUTO FINANCE
BUREAU PULLED:    EQUIFAX
CREDIT SCORE:   530
CUSTOMER STATE OF RESIDENCE:    TEXAS
NEW/USED: USED
YEAR OF VEHICLE: 2011
MAKE:  INFINITI
MODEL:  G37S
MILEAGE:  23k
RETAIL/LEASE:   RETAIL
AMOUNT OF LOAN: 27000
TERM CONTRACTED: 72 months
APR/LEASE RATE:  15.3 %    :smileysad:
MONTHLY PAYMENT:  586
ANNUAL INCOME: 70K
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY: i know  i have  bad credit thats why i accepted this crazy APR..  hopefully to refinance in a year. :smileyhappy:  CAR IS FRICKING AWESOME!

Hey my credit is not that bad.. at least i got a couch with a 87% APR :smileyhappy:

Starting Score: 462 :smileysad: journey started on 3/29/2013
Current Score: EXP 715 :smileyhappy: EQ 720 :smileyhappy: TU 700 Barclaycard fico :smileyhappy:
Goal Score: 700+ one day :smileyhappy: update... 750+ across the board


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