Auto Loan Approvals!

[pocketrockits]

APPROVING BANK: CapitalOne
BUREAU PULLED: Transunion 
CREDIT SCORE: 685
CUSTOMER STATE OF RESIDENCE: California
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Acura
MODEL: ILX
MILEAGE: 190
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 18700
TERM CONTRACTED: 60
APR/LEASE RATE: 5.43
MONTHLY PAYMENT: 356
ANNUAL INCOME: 95000
DEBT TO INCOME RATIO: 14%
MISCELLANEOUS COMMENTARY: Score dipped to 676 with the pull. Have 23 negative items on report. Paid off all collection accounts. Total of 5 hard pulls. Hope time heals the negative items as goal is to get above 700. Thanks for creating this thread as it helped in my search for credit!

[MSpurple]

APPROVING BANK: CapOne
BUREAU PULLED: Experian
CREDIT SCORE: 550-582
CUSTOMER STATE OF RESIDENCE: NJ
NEW/USED: Used
YEAR OF VEHICLE: 2009
MAKE: Scion
MODEL: TC
MILEAGE: 32,000
RETAIL/LEASE: Retail
AMOUNT OF LOAN: about $14,500
TERM CONTRACTED: 72 mo.
APR/LEASE RATE: 17%
MONTHLY PAYMENT: $317 exactly
MISCELLANEOUS COMMENTARY: only put down $900.. Building my credit :]

[hallas]

APPROVING BANK: Capital One Auto Finance
BUREAU PULLED: All 3
CREDIT SCORE: 590-600
CUSTOMER STATE OF RESIDENCE: NC
NEW/USED: Used
YEAR OF VEHICLE: 2010
MAKE: Toyota
MODEL: Corolla S
MILEAGE: 49k
RETAIL/LEASE: Financed/Retail
AMOUNT OF LOAN: 13k (includes a 1100 extended warranty program)
TERM CONTRACTED: 72 mos
APR/LEASE RATE: 10.19% APR
MONTHLY PAYMENT: $243
ANNUAL INCOME: $28,800
DEBT TO INCOME RATIO: Yikes, unsure. I have a $5,700 judgement from 2007. $468 charged off credit card from First Premier. Those are my only negatives. I have student loans but those are in deferment at the moment. I rent ($650/mth).
MISCELLANEOUS COMMENTARY: I was financed via CarMax. I put $3500 down. I was also approved for 2 Capital One credit cards. One with 0% APR intro (until 6/14) and then 22.9% APR after that and no annual fee ($300 credit limit) and a 24.9% APR $19 annual fee with a $300 credit limit. 

[benandjerry]

APPROVING BANK: Alaska Federal Credit Union

BUREAU PULLED: all 3
CREDIT SCORE: 0-0-0
CUSTOMER STATE OF RESIDENCE: WA
NEW/USED: New
YEAR OF VEHICLE: 2014
MAKE: Mazda
MODEL: 6GT
MILEAGE: 0
RETAIL/LEASE: Retail
AMOUNT OF LOAN: about $28,000
TERM CONTRACTED: 60 mo.
APR/LEASE RATE: 2.65%
MONTHLY PAYMENT: $518 exactly
MISCELLANEOUS COMMENTARY: put down $6000

[Striving4_700]

APPROVING BANK:  Capital One
BUREAU PULLED: all three
CREDIT SCORE: 500-522
CUSTOMER STATE OF RESIDENCE:  Tx
NEW/USED:  New
YEAR OF VEHICLE:  2013
MAKE:  Nissan (once I receive approval from BK trustee)
MODEL:  Altima
MILEAGE:  ?
RETAIL/LEASE:  Retail
AMOUNT OF LOAN:  up tp 30K
TERM CONTRACTED:  up to 72 months
APR/LEASE RATE:  9.96
MONTHLY PAYMENT: 555.17 if use full 30k
ANNUAL INCOME: $73,611
DEBT TO INCOME RATIO: 0
MISCELLANEOUS COMMENTARY:  Filed chap 13 in Jan 2013.  18 negative acounts related to BK.

[Affalterbach]

APPROVING BANK: NFCU
BUREAU PULLED: TransUnion to open account, unknown yet for loan yet but I suspect Equifax.
CREDIT SCORE: TransUnion 749, Equifax 767
CUSTOMER STATE OF RESIDENCE: Illinois
NEW/USED: Used
YEAR OF VEHICLE: Open check to use at a dealer, I'm shopping for an 04-07 model year vehicle.
MAKE: Dodge 
MODEL: Ram 2500/3500
MILEAGE: 
RETAIL/LEASE: Retail
AMOUNT OF LOAN: Pre-Approved for $25,000
TERM CONTRACTED: 60 Months (wanted a 48 month loan but the rate for 60 months was the same so I took the 60 and will overpay)
APR/LEASE RATE: 2.99% APR
MONTHLY PAYMENT: 
ANNUAL INCOME: $51,000 + $15000 rental income. 
DEBT TO INCOME RATIO: No debt when I took out the loan. 
MISCELLANEOUS COMMENTARY: Can't believe how easy and friendly NFCU was to work with!

[Legal_Girl]

APPROVING BANK;   Southeast Toyota Financial / Omni

BUREAU PULLED:  ALL 3

CREDIT SCORE: Ex FICO 669 / Eq FICO 679 & TU FICO 635

CUSTOMER STATE OF RESIDENCE: FL

NEW/USED: New

YEAR OF VEHICLE: 2013

MAKE: Toyota

MODEL: Rav4

MILEAGE: 6

RETAIL/LEASE: Retail/ Purchase

AMOUNT OF LOAN: about $18,000  (see comment) 

TERM CONTRACTED: 60 mo.

APR/ RATE: 2.9%

MONTHLY PAYMENT: $315.10

Annual Income : $70,312

Debt to Income Ratio: Mid teens

MISCELLANEOUS COMMENTARY: Vehicle $34k sticker, traded in 2011 Hyundai Elantra (paid for)  No cash down

[awp317]

Got the boss a new vehicle today, and I got a new one last month. Both loans are in my name only. She has a foreclosure on her credit from a divorce, and having her on the car loans would risk our interest rate I was told. 

APPROVING BANK: ALLY
BUREAU PULLED: Exquifax
CREDIT SCORE:732
CUSTOMER STATE OF RESIDENCE: VA
NEW/USED: New
YEAR OF VEHICLE: 2014
MAKE: Chevrolet
MODEL: Suburban
MILEAGE: 60
RETAIL/LEASE: purchase
AMOUNT OF LOAN: 38,000
TERM CONTRACTED: 72 months
APR/LEASE RATE: 3.2%
MONTHLY PAYMENT: $602
ANNUAL INCOME: six figure
DEBT TO INCOME RATIO: 10%
MISCELLANEOUS COMMENTARY: Vehicle purchase price 63k with 25k down. 

APPROVING BANK: BMW financial
BUREAU PULLED: experian
CREDIT SCORE: 729
CUSTOMER STATE OF RESIDENCE: VA
NEW/USED: New
YEAR OF VEHICLE: 2014
MAKE: BMW
MODEL: 435I 
MILEAGE: 41
RETAIL/LEASE: Lease
AMOUNT OF LOAN: 29,824
TERM CONTRACTED: 36 month 10k miles/ a year
APR/LEASE RATE: 0.0029
MONTHLY PAYMENT: 821
ANNUAL INCOME: 6 figure
DEBT TO INCOME RATIO: 15%
MISCELLANEOUS COMMENTARY: Leased in september for 36 months purchase price 56k minus 7500 down. 

In the past 18 months I have taken out and paid off 4 auto loans, today the finance guy said thats a huge help. They all show a positive history and will forever be on my credit showing a perfect payment history and early sastisfaction. Which helps with loans in the long run. 

[aj1901]

So happy to finally be posting in here. It was a long journey, but here I am. Hopefully I can post about a house in the next year or two!

APPROVING BANK: Subaru Financing (JP Morgan Chase owns them I beleive)
BUREAU PULLED: Trans 691 Ex 672 EQ 645
CUSTOMER STATE OF RESIDENCE: AZ
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Subaru
MODEL: BRZ Limited
MILEAGE: 15
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 30,800
TERM CONTRACTED: 72
APR/LEASE RATE: 4.33
MONTHLY PAYMENT: 504
ANNUAL INCOME: 43000
DEBT TO INCOME RATIO: 1-6%
MISCELLANEOUS COMMENTARY: First time auto loan. No down payment. No co-signer. Gap was purchased at the dealer since my insurance company doesnt offer it. 

[Kratos-TM]

awp317......that money factor on that bmw is not good. But maybe it's because you bought 2 cars......

You got a 7% interest rate.