Auto Loan Approvals!

[Anonymous]

APPROVING BANK: Co-op Credit Union

BUREAU PULLED: Not sure

CREDIT SCORE: Not sure

CUSTOMER STATE OF RESIDENCE: MN

NEW/USED: Used

YEAR OF VEHICLE: 2007 

MAKE: Pontiac

MODEL: Grand Prix

MILEAGE: 36,362

RETAIL/LEASE: Retail

AMOUNT OF LOAN: $8900

TERM CONTRACTED: 60 months

APR/LEASE RATE: 8.25%

MONTHLY PAYMENT: $187

MISCELLANEOUS COMMENTARY: We were told it would be years before we could get a loan, that was 1 1/2 months ago, and now here we are driving a new car!!! Well new to us.

Message Edited by mrsolson on 03-24-2009 02:37 PM

[Anonymous]

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@Anonymous wrote:

APPROVING BANK: Co-op Credit Union

BUREAU PULLED: Not sure

CREDIT SCORE: Not sure

CUSTOMER STATE OF RESIDENCE: MN

NEW/USED: Used

YEAR OF VEHICLE: 2007 

MAKE: Pontiac

MODEL: Grand Prix

MILEAGE: 36,362

RETAIL/LEASE: Retail

AMOUNT OF LOAN: $8900

TERM CONTRACTED: 60 months

APR/LEASE RATE: 8.25%

MONTHLY PAYMENT: $187

MISCELLANEOUS COMMENTARY: We were told it would be years before we could get a loan, that was 1 1/2 months ago, and now here we are driving a new car!!! Well new to us.

Message Edited by mrsolson on 03-24-2009 02:37 PM

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Don't ever be late with CO-OP credit union of Montie as they will not GW lates. Even for a legit reason.

[Anonymous]

APPROVING BANK: Partners 1st Credit union 

BUREAU PULLED: unknown

CREDIT SCORE: TU-787 EQ 800

CUSTOMER STATE OF RESIDENCE: KS

NEW/USED: New

YEAR OF VEHICLE: 2009

MAKE: Subaru

MODEL: Forrester loaded up

MILEAGE: 16

RETAIL/LEASE: $24000+ tax 

AMOUNT OF LOAN: 21000

TERM CONTRACTED: 60

APR/LEASE RATE: 4.9

MONTHLY PAYMENT: 397

MISCELLANEOUS COMMENTARY: Had minor accident with past New car - 1992 Accord.  Totalled, even though damage was minor - - -car value was less than repair estimate.  We just buy the vehicle we really like, and drive it into the ground - don't get caugt up in needing a new car every few years, or what its resale value might be.  Still have 2 other 'New' vehicles 1988 F150 right out of college, 2002 Suburban LT, and now the subaru replacing the 92 Accord.

Message Edited by drnesting on 03-26-2009 07:57 AM

[Anonymous]

APPROVING BANK:Bank of America
BUREAU PULLED: Not sure
CREDIT SCORE: TU 731 EQ 681
CUSTOMER STATE OF RESIDENCE: New York
NEW/USED: New
YEAR OF VEHICLE: 2009

MAKE:Nissan

MODEL: Altima 2.5S
MILEAGE:
RETAIL/LEASE: Retail
AMOUNT OF LOAN:$20,200

TERM CONTRACTED: 60 months
APR/LEASE RATE: 4.74%
MONTHLY PAYMENT: $378.80
MISCELLANEOUS COMMENTARY:Salesman told me he hadn't seen an interest rate as low as mine from a Bank (non credit union) in a long time! I am so excited, this is my 1st car!

Message Edited by cupcake8503 on 04-26-2009 03:28 PM

[Mommyto2boys]

Update - found the perfect car! 

APPROVING BANK:Credit Union of Texas

BUREAU PULLED: Not sure
CREDIT SCORE:  650ish

CUSTOMER STATE OF RESIDENCE: Texas
NEW/USED: Used

YEAR OF VEHICLE: 2005

MAKE:Nissan

MODEL: Murano - loaded

MILEAGE: 30k
RETAIL/LEASE: Retail
AMOUNT OF LOAN:$17,200

TERM CONTRACTED: 48 months
APR/LEASE RATE: 6.7%
MONTHLY PAYMENT: $415ish

MISCELLANEOUS COMMENTARY:I am in love with my new car!!

[Anonymous]

APPROVING BANK: Northwest Federal Credit Union (NWFCU)
BUREAU PULLED: EX (not Auto-Enhanced)
CREDIT SCORE:  822
CUSTOMER STATE OF RESIDENCE:  VIRGINIA (VA)
NEW/USED:  NEW
YEAR OF VEHICLE:  2009

MAKE:  Honda

MODEL: Fit Sport (love the car)
MILEAGE: New
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $10,645.40
TERM CONTRACTED: 3 years (36 months)
APR/LEASE RATE: 3.75% APR
MONTHLY PAYMENT: $313.12
MISCELLANEOUS COMMENTARY: If I made payments every 2 weeks instead of monthly it would have saved only $7 total over the life of the loan. I am going to set aside an additional amount monthly (haven't calculated yet) so that I can pay this off in 2 years.  I HATE DEBT!! I only bought the car because I was in an major accident and mine was totaled. Yes, I am OK, no one was hurt, thanks for asking.

Mas

[Anonymous]

APPROVING BANK: Champion Credit Union

BUREAU PULLED: All 3

CREDIT SCORE: Not sure which was finally used by my CU, but I think EX

CUSTOMER STATE OF RESIDENCE:NC

NEW/USED: New

YEAR OF VEHICLE: 2009

MAKE: Honda

MODEL: Fit Sport w/Navi

MILEAGE: 10

RETAIL/LEASE: Retail

AMOUNT OF LOAN: $19900 (approx, don't have the papers in front of me)

TERM CONTRACTED: 60 months

APR/LEASE RATE: 5.75%

MONTHLY PAYMENT: $405

MISCELLANEOUS COMMENTARY: I had a BK 4 years ago... Honda approved me for between 7-8% so I tried my credit union. I got 0.2% discount for getting my GAP through them (for an extra couple dollars per month that I would have gotten anyway) as well as a quarter point for having the payments automatically deducted from my CU account... Also got bumper to bumper 100k mile warranty...

[Anonymous]

APPROVING BANK: Redstone Federal Credit Union

BUREAU PULLED:EQ

CREDIT SCORE: 691 (Auto Enhanced)

CUSTOMER STATE OF RESIDENCE: Alabama
NEW/USED:New
YEAR OF VEHICLE:2009

MAKE:Ford

MODEL:F150 Lariat
MILEAGE:13 (11 of them from my test drive!!)

RETAIL/LEASE:Retail
AMOUNT OF LOAN:37,000

TERM CONTRACTED:72
APR/LEASE RATE:6.45

MONTHLY PAYMENT:622
MISCELLANEOUS COMMENTARY:Pulled my scores here 30 minutes before applying, Traditional EQ had dropped from 672 to 665 due to utl going form 0% to 1%. Oddly enough, TU went from 725 to 741!! 

[Anonymous]

APPROVING BANK: Reliance Federal Credit Union

BUREAU PULLED:EX

CREDIT SCORE: 761

CUSTOMER STATE OF RESIDENCE: Pennsylvania
NEW/USED:New
YEAR OF VEHICLE:2006

MAKE:BMW

MODEL:750Li
MILEAGE:46000

RETAIL/LEASE:Retail
AMOUNT OF LOAN:32,000

TERM CONTRACTED:70
APR/LEASE RATE:5.75

MONTHLY PAYMENT:564.86 but I am paying $650.00 per month
MISCELLANEOUS COMMENTARY:my credit union had a 1.99% introductory rate for the first 6 months of the loan (gotta love them !!). I was denied by Pen Fed with an equifax credit score of 784 and the reason given was limited credit experience. Love my new-to-me car, it drives like a dream !!!

[Anonymous]

APPROVING BANK: Rivertown Credit Union
BUREAU PULLED: not sure
CREDIT SCORE: ex 644
CUSTOMER STATE OF RESIDENCE: Arkansas
NEW/USED: New
YEAR OF VEHICLE: 2008

MAKE: Chevy

MODEL: Malibu
MILEAGE: 107
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 19500
TERM CONTRACTED:72mos
APR/LEASE RATE:6.8%
MONTHLY PAYMENT:330.50
MISCELLANEOUS COMMENTARY: Not bad, I didn't think we would qualify for a loan.  First new car since 1997.  I love it!!!