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APPROVING BANK: Ford Motor Credit
BUREAU PULLED: EX
CREDIT SCORE: 740
CUSTOMER STATE OF RESIDENCE: FL
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Ford
MODEL: F-150 XLT Supercrew
MILEAGE: 0
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 29,000
TERM CONTRACTED: 72 months
APR/LEASE RATE: 6.5
MONTHLY PAYMENT: 490
ANNUAL INCOME: 120k
DEBT TO INCOME RATIO: 15%
MISCELLANEOUS COMMENTARY: Very happy with my new truck. Got it with the 5.0L V8, 302A package and 3.55 rear locking gears, extended warranty, tire/wheel protection and 4 years worth of general maintenance. Got 9,500 in rebates and 10,000 for my trade in. 3,500 worth of rebates was by financing with Ford, will refinance in 90 days.
APPROVING BANK: PenFED
BUREAU PULLED: ???
CREDIT SCORE: CK FAKO 772/ Quizzle FAKO 776/ CS FAKO 815
CUSTOMER STATE OF RESIDENCE: VA
NEW/USED: New
YEAR OF VEHICLE: 2014
MAKE: Audi
MODEL: A4 Prestige
MILEAGE: 0
RETAIL/LEASE: Retail
AMOUNT OF LOAN: approved 44,000 (will only use around 42,000)
TERM CONTRACTED: 60 months
APR/LEASE RATE: 1.99
MONTHLY PAYMENT: 571 (Payment Saver Plan, and will decrease to reflect actual loan disbursement amount)
ANNUAL INCOME: currently well over 6-figures due to 'OT'
DEBT TO INCOME RATIO: currently < 1%, but base is 30%
MISCELLANEOUS COMMENTARY: Audi is currently approx $300 over invoice, but potentially $700 under invoice; waiting on final "negotiation" numbers. This is also a a non-traditional type of finance; thus it's not for everyone. But we're more than happy since it works with our financial situation
Bought my son a car to go off to college.
APPROVING BANK: BOA
BUREAU PULLED: EX
CREDIT SCORE: 806
CUSTOMER STATE OF RESIDENCE: OK
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Chevrolet
MODEL: Sonic LTX
MILEAGE: 0
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 18000
TERM CONTRACTED: 60 months
APR/LEASE RATE: 1.74
MONTHLY PAYMENT: 288
ANNUAL INCOME: Let's just say 6 figures +
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY: Told the finance guy my CU offered 1.9% and I didn't think he could beat that, but he did.
APPROVING BANK: LGE CCU
BUREAU PULLED: Equifax
CREDIT SCORE: 623
CUSTOMER STATE OF RESIDENCE: GA
NEW/USED: Used, Certified pre-owned (CPO)
YEAR OF VEHICLE: 2010
MAKE: Honda MODEL: Insight EX
MILEAGE: 28000
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 16700
TERM CONTRACTED: 60 months
APR/LEASE RATE: 12.74
MONTHLY PAYMENT: 380
ANNUAL INCOME: 110k
DEBT TO INCOME RATIO: 10%
MISCELLANEOUS COMMENTARY: Fresh out of 5 years of chapter 13 bk, which was discharged in May of 2013. Second auto loan since bk. Some banks declined me, Capital One offered 16.9% APR, but finance manager in local Honda dealership was able to find financing from a local CU for less, at 12.74%. I wasn't a member there before, but now got automatic membership through this car loan. I do plan to pay off both car loans much quicker and will likely refinance at lower APR in 12-14 months as my credit improves.
APPROVING BANK: Wells Fargo Dealer Services
BUREAU PULLED: EX
CREDIT SCORE: 623 FICO (not sure what they pulled for Auto FICO, but it would be higher)
CUSTOMER STATE OF RESIDENCE: AZ
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Chevy
MODEL: Traverse 2LT
MILEAGE: 18
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 38,400 (sticker price was $43,090)
TERM CONTRACTED: 60 months
APR/LEASE RATE: 0%!!!
MONTHLY PAYMENT: 640
ANNUAL INCOME: 88k
DEBT TO INCOME RATIO: not sure
MISCELLANEOUS COMMENTARY: Got 0% approval from WFDS only 4 months after my BK7 was discharged! Still on cloud 9 :-)
APPROVING BANK: NFCU
BUREAU PULLED: Unknown
CREDIT SCORE: 716 EQ, 712 EX, 798 TU
CUSTOMER STATE OF RESIDENCE: MI
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Ford
MODEL: Focus ST
MILEAGE: 70
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 26650
TERM CONTRACTED: 60 months
APR/LEASE RATE: 1.79%
MONTHLY PAYMENT: 460
ANNUAL INCOME: 47k
DEBT TO INCOME RATIO: was zero
MISCELLANEOUS COMMENTARY: Love the car, fully loaded ST3 package with moonroof