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APPROVING BANK: NEFCU
BUREAU PULLED: Transunion
CREDIT SCORE: 732
CUSTOMER STATE OF RESIDENCE: New York
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Infiniti
MODEL: Ex 37
MILEAGE: 6
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 40232
TERM CONTRACTED: 72 mos
APR/LEASE RATE: 1.99
MONTHLY PAYMENT: 593.76
ANNUAL INCOME: 101000
DEBT TO INCOME RATIO: ?
MISCELLANEOUS COMMENTARY: This is my first new car and my first auto loan! So glad with the rate esp since it is a 6 year loan but hope to pay it off sooner. Went from a bankruptcy 7 yrs ago to a mortgage and now an auto loan. This car has the power I wanted with more cargo space and ease of entry and exit, so excited!
APPROVING BANK: ALLY
BUREAU PULLED: EQUIFAX
CREDIT SCORE:661
CUSTOMER STATE OF RESIDENCE: SC
NEW/USED:NEW
YEAR OF VEHICLE:2014
MAKE:CHEVY
MODEL:IMPALA LTZ
MILEAGE:11
RETAIL/LEASE:RETAIL
AMOUNT OF LOAN:42,000
TERM CONTRACTED:72MNTH
APR/LEASE RATE:4.99
MONTHLY PAYMENT:690
ANNUAL INCOME:68,000
DEBT TO INCOME RATIO:13
MISCELLANEOUS COMMENTARY: 0 Down GM Employee price and another bonus cash. Killer was $3G in Neg Equity. Oh well, been drooling over this car for months and now it is in the drive way.
@ohfortuna wrote:APPROVING BANK: Capital One Auto Finance
BUREAU PULLED: Experian
CREDIT SCORE: 619 (Auto Enhanced)
CUSTOMER STATE OF RESIDENCE: Florida
NEW/USED: New
YEAR OF VEHICLE: 2014
MAKE: Ford
MODEL: Fusion
MILEAGE: 6
RETAIL/LEASE:
AMOUNT OF LOAN: 24K
TERM CONTRACTED: 73 Months
APR/LEASE RATE: 9.55%
MONTHLY PAYMENT: $439.49
ANNUAL INCOME: $55K
DEBT TO INCOME RATIO: No other debt
MISCELLANEOUS COMMENTARY: Out of Chapter 7 Bank in August - I think the APR is fair. Wells Fargo approved me at 11% as well. I love the car!
Congrats on the new car!
How do you know it was Auto Exhanced FICO? Did you apply thought the dealership and got Cap 1 financing?
APPROVING BANK: SAC Federal Credit Union
BUREAU PULLED: No Sure
CREDIT SCORE: 636
CUSTOMER STATE OF RESIDENCE: NE
NEW/USED: Certified Pre-Owned
YEAR OF VEHICLE: 2013
MAKE: Kia
MODEL: Optima LX
MILEAGE: 2700
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $20,052
TERM CONTRACTED: 72 months
APR/LEASE RATE: 6.547
MONTHLY PAYMENT: $412
ANNUAL INCOME: $76,000
MISCELLANEOUS COMMENTARY: Very excited. I was nervous because my credit isn't the best but I have been working on it and it has been consistanly going up a few points every month. Yay!
APPROVING BANK: Honda Financial
BUREAU PULLED: N/A
CREDIT SCORE: N/A
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Honda
MODEL: CRV
MILEAGE: 0
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $26,164
TERM CONTRACTED: 72 Months
APR/LEASE RATE: 6%
MONTHLY PAYMENT: $439
ANNUAL INCOME: $30,000
DEBT TO INCOME RATIO: N/A
MISCELLANEOUS COMMENTARY: This is actually my sisters, She didn't pay attention nor did she get any paper from Honda with her credit score so I'm unsure of that. However, The reason I wanted to post this is because she filed for bankruptcy a while back, I thought it was cleared, But she still has 2 more years to go before it's 100% clear. Which surprised me, Because she already has a couple of unsecured credit cards and 6% APR on this.
Has anyone dealt with Chrysler recently? I'm thinking about getting a Grand Cherokee. My Fico was 795 EQ, 804 TU a couple months ago. Wonder if I would get 0-1.9% financing.
@Jrubizov wrote:
I was wondering should we trade in 12 odyssey for 14 if the interest rate is 1.9% but the term is 72 months no money down payments are about 620 model is the EX-L
Details on the financing for the 12? APR, purchase price, remaining balance, term length, Odyssey's hold their value great but the first 2 years are the worst for depreciation no matter what the vehicle is.