Auto Loan Approvals!

[Dereckdarell]

APPROVING BANK: CAPITAL ONE AUTO
BUREAU PULLED: TU
CREDIT SCORE: 596
CUSTOMER STATE OF RESIDENCE: TEXAS
NEW/USED: NEW
YEAR OF VEHICLE: 2015
MAKE: NISSAN
MODEL: ALTIMA
MILEAGE: 0
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: $19,917
TERM CONTRACTED: 72 MONTHS
APR/LEASE RATE: 3.96%
MONTHLY PAYMENT: $311.75
ANNUAL INCOME: $52360
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY: I was skeptical about approval, i used the Cap One Pre-Qual, and they gave me the same % as the Certificate!!! Blew my mind!!!

[2GreenThumbs]

APPROVING BANK:  Wells Fargo DS
BUREAU PULLED: Experian
CREDIT SCORE: 669 Auto Enhanced
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: New
YEAR OF VEHICLE: 2016
MAKE: Nissan
MODEL: Rogue SL
MILEAGE: 4
RETAIL/LEASE: Purchase
AMOUNT OF LOAN: $33,400
TERM CONTRACTED: 72 mos.
APR/LEASE RATE: 2.99%
MONTHLY PAYMENT: $508
ANNUAL INCOME: $90,000
DEBT TO INCOME RATIO: 30%
MISCELLANEOUS COMMENTARY: I was a week discharged from Ch 13.

[aleayce527]

APPROVING BANK: Chase
BUREAU PULLED: Equifax
CREDIT SCORE: 667
CUSTOMER STATE OF RESIDENCE: Florida
NEW/USED: used
YEAR OF VEHICLE: 2015
MAKE: Chevy
MODEL: Cruze 2LT
MILEAGE: 26650
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 14,000
TERM CONTRACTED: 60 m
APR/LEASE RATE: 9.89
MONTHLY PAYMENT: 289
ANNUAL INCOME: new grad projected income 52,000
DEBT TO INCOME RATIO: unknown
MISCELLANEOUS COMMENTARY:

[Anonymous]

APPROVING BANK: Ford Credit
BUREAU PULLED: Experian
CREDIT SCORE: 692 (Auto Enhanced)
CUSTOMER STATE OF RESIDENCE: TX
NEW/USED: New
YEAR OF VEHICLE: 2016
MAKE: Ford
MODEL: Explorer
MILEAGE: 35
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $42K
TERM CONTRACTED: 60 months
APR/LEASE RATE: 0%
MONTHLY PAYMENT: $700
ANNUAL INCOME:  $125K
DEBT TO INCOME RATIO:  23%
MISCELLANEOUS COMMENTARY: Discharged BK 13 in June 2015.  I went in with a prequalification for a CapitalOne auto loan at 2.49%.  When they asked about financing, I explained my situation and told them I was comfortable with the prequalification and didn't want the 15 hard pulls from their finance department looking for the best loan with other banks.  The dealer was extremely helpful at this point, said they do whatever millioins of dollars of business with Ford Credit and that I would not have an issue getting 0% financing with them.  I took the chance and let them pull my credit just for Ford Credit and they were right...happy happy!

[RushXTC]

APPROVING BANK: Nissan Finance
BUREAU PULLED: Will edit this later
CREDIT SCORE: Will edit this later
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: New
YEAR OF VEHICLE: 2016
MAKE: Nissan
MODEL: Altima
MILEAGE: 17
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $36,069.84
TERM CONTRACTED: 72 Months
APR/LEASE RATE: 0.00%
MONTHLY PAYMENT: 500.97
ANNUAL INCOME: $60,000
DEBT TO INCOME RATIO: NA
MISCELLANEOUS COMMENTARY: Had a 2015 Mustang GT with negative equity traded in, Owed $33,000 and was offered $24,500 for it, So $8,500 went on top of the original price.

[Anonymous]

APPROVING BANK: Infiniti/Nissan
BUREAU PULLED: Experian (i believe)
CREDIT SCORE: My FICO has my EX Auto Enhanced at 590
CUSTOMER STATE OF RESIDENCE: PA
NEW/USED: Used
YEAR OF VEHICLE: 2012
MAKE: Nissan
MODEL: Rogue
MILEAGE: 31191
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 17039.63 out the door
TERM CONTRACTED: 48
APR/LEASE RATE: 12.9
MONTHLY PAYMENT: 459.00
ANNUAL INCOME: 35000 (on paper for year end 2015, currently is much higher but cant yet prove on paper)
DEBT TO INCOME RATIO: IDK, last I looked under 30%
MISCELLANEOUS COMMENTARY:  No money down, financed GAP and 2 Year "warranty" (we'll see if the warranty stays).  Had absolutely zero intention of buying a car last night but my car was totaled last thursday.  Nissan approved me no proof on income, no proof of total loss/payout as long as i took the 48 months.  I was already paying 16% and $400 a month on the totaled car and I can handle the payment of $459.  Will refinance in 6 months to a year just to get the interest rate down.  Happy to be with someone OTHER than a subprime lender.

[Schoolbuskid]

APPROVING BANK: American Honda
BUREAU PULLED: EQ
CREDIT SCORE: 617
CUSTOMER STATE OF RESIDENCE: NC
NEW/USED: New
YEAR OF VEHICLE: 2017
MAKE: Honda
MODEL: Accord Sport Special Edition
MILEAGE: 17
RETAIL/LEASE: Lease
AMOUNT OF LOAN: 22112 (not sure what to put)
TERM CONTRACTED: 36

APR/LEASE RATE: 3.9

MONTHLY PAYMENT: 243
ANNUAL INCOME: 30000
DEBT TO INCOME RATIO:  45%
MISCELLANEOUS COMMENTARY: Had to trade my nissan pathfinder, bad transmission. 

[trnl2016]

APPROVING BANK: Bank of America
BUREAU PULLED: Equifax
CREDIT SCORE: 725
CUSTOMER STATE OF RESIDENCE: Texas
NEW/USED: Used
YEAR OF VEHICLE: 2015
MAKE: BMW
MODEL: 320 I
MILEAGE: 4970
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $27,603
TERM CONTRACTED: 72 Months
APR/LEASE RATE: 3.34%
MONTHLY PAYMENT: $424

MISCELLANEOUS COMMENTARY: Was initially approved for 8.9% from Carmax (boo!), but decided to shop around.

[Anonymous]

APPROVING BANK: WellsFargo
BUREAU PULLED: Transunion
CREDIT SCORE: 670
CUSTOMER STATE OF RESIDENCE:Massachusetts
NEW/USED:Used
YEAR OF VEHICLE:2010

MAKE:Land Rover

MODEL: Range Rover
MILEAGE:63000
RETAIL/LEASE:Retail
AMOUNT OF LOAN:25K
TERM CONTRACTED:72 months
APR/LEASE RATE:9.9
MONTHLY PAYMENT:352
MISCELLANEOUS COMMENTARY:

[Turbobuick]

APPROVING BANK: Chase
BUREAU PULLED: Not sure
CREDIT SCORE: 800+
CUSTOMER STATE OF RESIDENCE: California
NEW/USED: Used
YEAR OF VEHICLE: 2014

MAKE: Ford

MODEL: Mustang
MILEAGE: 12600
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 16300
TERM CONTRACTED: 48 months
APR/LEASE RATE: 2.19
MONTHLY PAYMENT: 352
MISCELLANEOUS COMMENTARY: refi 5 mo old loan at LightSteam