Auto Loan Approvals!

[Strepthroat]

bigbangteore...purchased vehicle from stone mountain nissan.

[blessed-man1980]

APPROVING BANK: Honda 
BUREAU PULLED: I'm not sure but prob all three  .. 
CREDIT SCORE: 686 according to Honda ..Now my scoe is Eq 647 ,Ex 717 Tu 721 
CUSTOMER STATE OF RESIDENCE:MD
YEAR OF VEHICLE:2014 civic Si 

MAKE:Honda 

MODEL:Civic SI 
MILEAGE:7 miles only 
RETAIL/LEASE:Buy 
AMOUNT OF LOAN:21682 
TERM CONTRACTED:60 months
APR/LEASE RATE: 2.71%
MONTHLY PAYMENT:387

My score went down due to many Inq .But I'm paying off my CC on time and I have very low balance..

[crimsondiva26]

APPROVING BANK: Neighbors FCU
BUREAU PULLED: All three--Chose best of three
CREDIT SCORE: 702-Experian
CUSTOMER STATE OF RESIDENCE: Louisiana
NEW/USED: New
YEAR OF VEHICLE: 2014
MAKE: Nissan
MODEL: Rogue
MILEAGE: 343 miles
RETAIL/LEASE: Financing
AMOUNT OF LOAN: 28,000ish
TERM CONTRACTED: 75 monhts
APR/LEASE RATE: 3.7%
MONTHLY PAYMENT: $490
ANNUAL INCOME: $45k
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY: I am a 25 year old woman, but from help with this forum, I felt so confident to go in there and not sound like an idiot. I only put down $500.

[haveus33nm3]

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@crimsondiva26 wrote:

MISCELLANEOUS COMMENTARY: I am a 25 year old woman, but from help with this forum, I felt so confident to go in there and not sound like an idiot. I only put down $500.

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Wow, good work! Congrats

[Bfactor84]

APPROVING BANK: Ford Motor Credit
BUREAU PULLED: Equifax (I Think)
CREDIT SCORE: 779 (EXP), 781 (EQI), 799 (TRA)
CUSTOMER STATE OF RESIDENCE: Ft Lauderdale, FL
NEW/USED: NEW
YEAR OF VEHICLE: 2014
MAKE: LINCOLN
MODEL: MKZ
MILEAGE: 122
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: $ 42,806
TERM CONTRACTED: 60 Months
APR/LEASE RATE: 1.9%
MONTHLY PAYMENT: $ 750.00 (Designed down payment and loan to meet this target)
ANNUAL INCOME: ~ $ 130,000
DEBT TO INCOME RATIO: Almost 0 (not counting the car loan)
MISCELLANEOUS COMMENTARY: Was approved by Lightstream at 2.79% and Wells Fargo for 3.44%. Decided to go with Dealer rate as it was the cheapest option. Loan shopping really helps you with bargaining the right price.

[MissMoni223]

CONGRATS on your car loan approval! Your scores are GREAT and you got an AWESOME APR!!!

[rketchjr]

APPROVING BANK: Nissan Motor Corp
BUREAU PULLED: Equifax
CREDIT SCORE: 643 (classic)
CUSTOMER STATE OF RESIDENCE: Florida
NEW/USED: New
YEAR OF VEHICLE: 2014
MAKE: Nissan
MODEL: Altima SV
MILEAGE: 6
RETAIL/LEASE: Purchase
AMOUNT OF LOAN: $28,302.09
TERM CONTRACTED: 75
APR/LEASE RATE: 5.04%
MONTHLY PAYMENT: $435
ANNUAL INCOME: $81,000
DEBT TO INCOME RATIO: 22%
MISCELLANEOUS COMMENTARY: Had an expiring lease on a 2011 Infiniti G37S and was looking to lower payments, insurance, and gas spend. I worked with the AutoNation dealer to give me a decent deal on a new car. I may look to refi in 6 to 12 months when my FICO gets into the 700 range. Total purchase included $2000 in equity from the expiring lease.

[persocon]

Approving Bank: DCU
Bureau Pulled: EQ equifax
Credit Score: DCU pulled 747EQ, myfico 790TU
Customer State of Residence: Colorado
New/Used: Used
Year of Vehicle: 2008
Make: Lexus
Model: LS460
Mileage: 87,000 miles
Retail/Lease: retail
Amount of Loan: 21,500ish
Term Contracted: 48 months
APR/Lease Rate: 1.24% with Relationship account and auto-pay from said account to pay said loan
Monthly Payment: $460.40
Annual Income: definitely not enough, and not steady employment (which is why I'm all over this forum asking people if DCU asked them for proof of income) BUT DCU  did not require proof of income based on my credit history
Debt to Income Ratio: extremely not ideal, I'm also a co-signer on another auto loan $7k left on that
Miscellaneous Commentary:

DCU did not require proof of income based on my credit history, AAoA 4 years, oldest account 8 years no lates anywhere, Chex Systems 1 resolved collections 2 years ago.

Previous auto loan 72 months $9k paid off no early payments, just exact monthly they worked out - 1 year ago.

[nmbrsgrl]

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APPROVING BANK: NMAC
BUREAU PULLED: TU 700, EX 665, both auto enhanced
CREDIT SCORE: See above
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: USED
YEAR OF VEHICLE: 2011
MAKE: NISSAN
MODEL: ALTIMA
MILEAGE: 39k
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: $ 22K
TERM CONTRACTED: 72 Months
APR/LEASE RATE: 6.64%
MONTHLY PAYMENT: $ 362.80
ANNUAL INCOME: ~ $40k
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY: Very excited! Thanks to this site I was able to clean up my credit report enough to go from 19.9% I was offered 4 months ago to 6.9% today! I am on my way to better financial health. *Dealership called the next day and lowered the APR to 6.64% and gave me $1000 credit.

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[grooveman]

APPROVING BANK: Nissan
BUREAU PULLED: Equifax
CREDIT SCORE:538
CUSTOMER STATE OF RESIDENCE:Montana
NEW/USED:New
YEAR OF VEHICLE:2014
MAKE:Nissan
MODEL:Juke
MILEAGE:6
RETAIL/LEASE:Retail
AMOUNT OF LOAN:28000
TERM CONTRACTED:72 months
APR/LEASE RATE:9.99
MONTHLY PAYMENT:550
ANNUAL INCOME:138000
DEBT TO INCOME RATIO:30%
MISCELLANEOUS COMMENTARY:Highest interest rate I have paid in a long time but we are going into it with no money down and some negative equity on our trade.Clean report but high utilization on revolving debt tanked my score.