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APPROVING BANK: NFCU
BUREAU PULLED: EX
CREDIT SCORE: 710,710,713
CUSTOMER STATE OF RESIDENCE: (STATIONED OVERSEA'S BUT IT WOULD BE NEW MEXICO)
NEW/USED: New
YEAR OF VEHICLE: 2014
MAKE: SUBARU
MODEL: WRX STI SEDAN
MILEAGE: 0
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $33,000
TERM CONTRACTED: 72 Months
APR/LEASE RATE: 2.79%
MONTHLY PAYMENT: $501 (IF I PUT $0 DOWN)
ANNUAL INCOME: $36,000
DEBT TO INCOME RATIO: <5
MISCELLANEOUS COMMENTARY: In the military, having no bills helps out alot, app'd for 6 credit cards in one month prior to applying, over 100k in avail. credit.
APPROVING BANK: CapOne
BUREAU PULLED: Equifax
CREDIT SCORE: 654
CUSTOMER STATE OF RESIDENCE:Florida
NEW/USED:New
YEAR OF VEHICLE:2014
MAKE:Ford
MODEL:Mustang
MILEAGE:0
RETAIL/LEASE:Retail
AMOUNT OF LOAN:26,000 and some change
TERM CONTRACTED:72
APR/LEASE RATE:6.55%
MONTHLY PAYMENT:450.00
ANNUAL INCOME:54,000
DEBT TO INCOME RATIO:10%
MISCELLANEOUS COMMENTARY:First-Time Buyer! Pretty Excited... I understand the APR can be lower but my plan is to refinance in a year.
APPROVING BANK: Honda Financial (they got me financed through Chase)
BUREAU PULLED: EX
CREDIT SCORE: 631
CUSTOMER STATE OF RESIDENCE: California
NEW/USED: Used
YEAR OF VEHICLE: 2012
MAKE: Honda
MODEL: Civic Si Coupe
MILEAGE: 10,242
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $21,000
TERM CONTRACTED: 48 Months
APR/LEASE RATE: 6.00%
MONTHLY PAYMENT: $493
ANNUAL INCOME: $90,000
DEBT TO INCOME RATIO: <15
MISCELLANEOUS COMMENTARY: I got denied at Chase, US Bank, Capital One, and Bank of America. Wells fargo approved me for only $15,000 @ 19% APR lol, my local credit union approved me up to $20,000 but I had to put 40% down (**bleep**). This is my first auto loan and oh man it feels good! The car is wonderful! Having decent credit is priceless.
APPROVING BANK: BCU (Baxter Credit Union)
BUREAU PULLED: EX
CREDIT SCORE: EX 644, TU 659, EQ 591
CUSTOMER STATE OF RESIDENCE: Illinois
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Hyundai
MODEL: Elantra GLS w/ package & other accessories.
MILEAGE: 20
RETAIL/LEASE: Retail Purchase
AMOUNT OF LOAN: $17,219 ($2K down)
TERM CONTRACTED: 60 Months
APR/LEASE RATE: 8.25%
MONTHLY PAYMENT: $353.57
ANNUAL INCOME: 33K
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY: Spent 9 months cleaning up credit as best I could before purchase. Opened a secured credit card with them 8 months ago. Completed a $250/month secured loan to bring credit up. Brought up scores from the very low 500's in January. After 6 payments they should refinance me dropping it by 4-5 points. After 3 car payments I will qualify for an unsecured credit card.
APPROVING BANK: Chrysler Capital
BUREAU PULLED: Experian
CREDIT SCORE: 645
CUSTOMER STATE OF RESIDENCE: WA
NEW/USED: New
YEAR OF VEHICLE: 2014
MAKE: Dodge
MODEL: Journey
MILEAGE: 20
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $23,509.77
TERM CONTRACTED: 72
APR/LEASE RATE: 15.19%
MONTHLY PAYMENT: 499.54
ANNUAL INCOME: $35,600
DEBT TO INCOME RATIO: 3%
MISCELLANEOUS COMMENTARY: Bankruptcy discharged in August 2013. Had 16.12% on hand through RoadLoans.com but the dealer got me a little better.
I was able to secure financing through Ford Motor Credit at 2.9%, which beat my outside financing. Good Luck to all! This forum was extremely helpful during my loan shopping process. Regards