Auto Loan Approvals!

[sccredit]

APPROVING BANK: Infiniti Financial Services
BUREAU PULLED: Experian
CREDIT SCORE: 715 Auto Enhanced
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Infiniti
MODEL: G37 Sedan
MILEAGE: 32
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $35,527
TERM CONTRACTED: 72
APR/LEASE RATE: 0.9%
MONTHLY PAYMENT: $508
ANNUAL INCOME: $150k
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY:  $5k off.  Was also approved by BofA, Bank of the West, Chase and my own CU, Logix.  Got the best deal I possibly could (I figured that out when 2 other Infiniti dealers told me that they would never sell this car for the price I was paying and to call them back when they didn't honor it.)  Wife is very happy with her new car and also happy to be done with an SUV!

[college22c]

This thread is to be used for your Auto Loan Approvals just copy and paste!
 
APPROVING BANK: Bank of America
BUREAU PULLED:EXP
CREDIT SCORE:660
CUSTOMER STATE OF RESIDENCE: Michigan
NEW/USED: USed
YEAR OF VEHICLE:2009
MAKE: Chevy
MODEL: Malibu
MILEAGE:61813
RETAIL/LEASE: Retail
AMOUNT OF LOAN:9500
TERM CONTRACTED:48
APR/LEASE RATE:3.54%
MONTHLY PAYMENT:$197- 0 down
ANNUAL INCOME:%42000
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY:

[sadiespapa]

College22c, 3.54% for a 660 score is pretty good with ol' BofA. Congrats!

[Ragelog]

APPROVING BANK: DCU
BUREAU PULLED: EQ
CREDIT SCORE: 645
CUSTOMER STATE OF RESIDENCE: KS
NEW/USED: USED Refi
YEAR OF VEHICLE: 2012
MAKE: FORD
MODEL: FUSION
MILEAGE: 33K
RETAIL/LEASE: REFI
AMOUNT OF LOAN: 17641.00
TERM CONTRACTED:48
APR/LEASE RATE: 1.49
MONTHLY PAYMENT:378.92
ANNUAL INCOME: 54K
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY: I was trying to wait until my EQ Fico hit 650 but patience wore out and I decided to call to inquire yesterday. I then decided to apply via the telephone and was told I was approved I then e-mailed them copies of requested papers (10 Day payoff, proof of insurance, copy of drivers license, 2 paystubs and copy of vehicle registration) and opened a savings account to become a member. I called this morning and got the account linked to the application. I received the paperwork to sign online via e-mail about 1 hour later and as soon as I digitally signed it received a completed e-mail. I was hit with 2 inquiries one for the loan and one for the membership however well worth it. My previous loan was a 72 month 17.25% apr loan. My payments will drop $50 per month and I will pay the vehicle off 13 months earlier so substantial savings.

[madmann26]

APPROVING BANK: DCU
BUREAU PULLED: no idea
CREDIT SCORE: 700'ish (depending on who was pulled)
CUSTOMER STATE OF RESIDENCE: GA
NEW/USED: Used (refinance)
YEAR OF VEHICLE:
MAKE:
MODEL:
MILEAGE:
RETAIL/LEASE:
AMOUNT OF LOAN: $18,100
TERM CONTRACTED: 43 (this is the term left on the original loan)
APR/LEASE RATE: 1.99%
MONTHLY PAYMENT: $430'ish
ANNUAL INCOME: $103000
DEBT TO INCOME RATIO: low
MISCELLANEOUS COMMENTARY: As much as I love NFCU, they don't refinance their own loans. When NFCU refinanced this for us early last year, they were the best rate I could get at the time but it was still very high, some 14.79%. By getting the 1.99% rate (it will probably end up being 1.49% when I open a checking account), I'm saving about $160/month. That is significant.

[patternofstars7]

APPROVING BANK: TFCU
BUREAU PULLED: Transunion
CREDIT SCORE: 715
CUSTOMER STATE OF RESIDENCE: NY
NEW/USED: Used (refinance)
YEAR OF VEHICLE: 2014
MAKE: Jeep
MODEL: Grand Cherokee
MILEAGE: 2600
RETAIL/LEASE: 
AMOUNT OF LOAN: $52,864
TERM CONTRACTED: 72 
APR/LEASE RATE: 2.29%
MONTHLY PAYMENT: $786
ANNUAL INCOME: $63000
DEBT TO INCOME RATIO: Pretty High
MISCELLANEOUS COMMENTARY: Pretty surprised when Loan Officer came back with 715 score with several cards with high balances. Went from BOA loan at 4.9 to TFCU at 2.29. Said if I would've gotten 5 more points it would've been at 1.90 Have a previous car loan which is in good standing with them so possibly had an affect on APR.

[Anonymous]

APPROVING BANK:  GM Financial 
BUREAU PULLED: Equiax 
CREDIT SCORE: 576
CUSTOMER STATE OF RESIDENCE: FL
NEW/USED: NEW
YEAR OF VEHICLE: 2014
MAKE: Chevy
MODEL: Camaro
MILEAGE: 43
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 30k
TERM CONTRACTED: 72 mos
APR/LEASE RATE: 9.9
MONTHLY PAYMENT: 567
ANNUAL INCOME: 55K
DEBT TO INCOME RATIO: 21%
MISCELLANEOUS COMMENTARY:  Had to Roll over 9K from a previous loan from Santander with a 24.9% rate that was killing me but I started working on my credit last year to buy something new...Put 15% down and drove away!!  Thank you all for the help on this Site!!

[mynewlife14]

APPROVING BANK:  Bay Area Credit Union
BUREAU PULLED: Transunion
CREDIT SCORE: Me 599 Hubby 597
CUSTOMER STATE OF RESIDENCE: TX
NEW/USED: NEW
YEAR OF VEHICLE: 2014
MAKE: Dodge
MODEL: Journey
MILEAGE: 300
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 34000
TERM CONTRACTED: 72 mos
APR/LEASE RATE: 6.94
MONTHLY PAYMENT: 566
ANNUAL INCOME: 77K
DEBT TO INCOME RATIO: 20%
MISCELLANEOUS COMMENTARY:  Had to Roll over 4.5K negative equity from a previous loan from Santander with a 20% rate on my Corolla that had 170k miles. Started out with 9.9% apr but with adding ext warranty and gap dropped to 6.94.  

[Ntowngirl]

APPROVING BANK:  Bank of America
BUREAU PULLED: Equifax
CREDIT SCORE: 734
CUSTOMER STATE OF RESIDENCE: GA
NEW/USED: NEW
YEAR OF VEHICLE: 2014
MAKE: VW
MODEL: Tiguan
MILEAGE: 58
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 28,600
TERM CONTRACTED: 72 mos
APR/LEASE RATE: 2.89
MONTHLY PAYMENT: 433
ANNUAL INCOME: 96K
DEBT TO INCOME RATIO: 40%

[Anonymous]

I have been doing some research on Chase Bank for Auto Loans and finally asked my Chase banker who they usually pull. She told me that Chase uses Transunion 95% of the time for Auto Loans. Just to help people out on here I thought I would post this info