Auto Loan Approvals!

[padme]

APPROVING BANK: ALLY
BUREAU PULLED: TU
CREDIT SCORE: 662
CUSTOMER STATE OF RESIDENCE: Indiana
NEW/USED: New
YEAR OF VEHICLE: 2017
MAKE: Honda
MODEL: Civic Type R 
MILEAGE: 10
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 25,000
TERM CONTRACTED: 60 M
APR/LEASE RATE: 3.95%
MONTHLY PAYMENT: 460
ANNUAL INCOME: 73k
DEBT TO INCOME RATIO:30%
MISCELLANEOUS COMMENTARY: 4 Years post BK7, no auto loans prior since BK, 108k in CL's across 15 cards, 10% CU.

[Anonymous]

Grats on your type R. Did the dealer charge a lot of sticker?

[ambivalent]

APPROVING BANK: DCU
BUREAU PULLED: EQ
CREDIT SCORE: 704
CUSTOMER STATE OF RESIDENCE: CO
NEW/USED: Used- CPO
YEAR OF VEHICLE: 2014
MAKE: BMW 
MODEL: X3
MILEAGE: 30,000
RETAIL/LEASE: Retail
AMOUNT OF LOAN: ~32K
TERM CONTRACTED: 65m
APR/LEASE RATE: 2.24
MONTHLY PAYMENT: 535
ANNUAL INCOME: 110K
DEBT TO INCOME RATIO: <1% (on credit cards, mortgage not yet reporting)
MISCELLANEOUS COMMENTARY:  Love DCU.  Was able to get a CC with the same pull.

[Anonymous]

    I FINALLY get to add mine!!!

APPROVING BANK: Toyota Financial
BUREAU PULLED: TU & EX
CREDIT SCORE: 718/695 - Me    71/9/738 - Hubs
CUSTOMER STATE OF RESIDENCE:  CA
NEW/USED:  New
YEAR OF VEHICLE:  2017
MAKE: Toyota
MODEL: Highlander
MILEAGE: 17
RETAIL/LEASE:  Retail
AMOUNT OF LOAN:  42,962.
TERM CONTRACTED: 72 
APR/LEASE RATE:   1.9 % !!!!
MONTHLY PAYMENT: 632.30
ANNUAL INCOME: 145,000 
DEBT TO INCOME RATIO:  under 15%
MISCELLANEOUS COMMENTARY:    So we tried Capital One first. We thought we were getting 3.24%  but when they ran it, the rate came back at 5.99%.   That deal fell through which was actually a blessing in disguise.  The hubs and I tried PenFed and wound up with 2.99%!!!  We were thrilled and we're all set to go with that rate.  After a series of missteps from the dealer in getting us the car, they dropped the price a bit and told us they would try to get us 1.9%.  The hubs and I thought they'd wouldn't beat PenFed, but before we could stop them from running it, I got an alert on a pull  and the dealer emailed me and said they did get us 1.9%!!!!!!!   I am still stunned.  Thank you to all who provided tips, suggestions and advice!!  We couldn't have done it without all the help!!

[somotao]

APPROVING BANK: Delta Community Credit Union
BUREAU PULLED: EX
CREDIT SCORE: 711
CUSTOMER STATE OF RESIDENCE: Georgia
NEW/USED: Used
YEAR OF VEHICLE: 2014
MAKE: BMW
MODEL: 535i
MILEAGE: 24000
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 38000
TERM CONTRACTED: 60 M
APR/LEASE RATE: 3.28%
MONTHLY PAYMENT: 580
ANNUAL INCOME: 180k
DEBT TO INCOME RATIO:3%
MISCELLANEOUS COMMENTARY: 6.5 Years post BK7, This is my second autoloan post BK

[Anonymous]

APPROVING BANK: PenFed
BUREAU PULLED: EQ
CREDIT SCORE: 752 FICO (Will update when I receive the docs by mail)
CUSTOMER STATE OF RESIDENCE: GA
NEW/USED: NEW
YEAR OF VEHICLE: 2018
MAKE: AUDI
MODEL: Q5
MILEAGE: ~0
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: $43K
TERM CONTRACTED: 72mos
APR/LEASE RATE: 3.49%
MONTHLY PAYMENT: $657.96 (did not include GAP)
ANNUAL INCOME: $61.5K
DEBT TO INCOME RATIO: 35%
MISCELLANEOUS COMMENTARY: Got the lowest rate! But wait... there's a NavyFed approval too

--

APPROVING BANK: NavyFed
BUREAU PULLED: EQ
CREDIT SCORE: 752 FICO (Will update when I receive the docs by mail)
CUSTOMER STATE OF RESIDENCE: GA
NEW/USED: NEW
YEAR OF VEHICLE: 2018
MAKE: AUDI
MODEL: Q5
MILEAGE: ~0
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: $46K
TERM CONTRACTED: 72mos
APR/LEASE RATE: 2.69%
MONTHLY PAYMENT: $698.55 (includes $299 GAP)
ANNUAL INCOME: $61.5K
DEBT TO INCOME RATIO: 35%
MISCELLANEOUS COMMENTARY: Overall, so happy to be a NavyFed member! Got their lowest rate on my very first auto loan. Now to go shopping.. (and never leave the garden again ha)

[azguy13]

APPROVING BANK: Cap1
BUREAU PULLED: Experian 
CREDIT SCORE: 642
CUSTOMER STATE OF RESIDENCE: WA
NEW/USED: Used
YEAR OF VEHICLE: 2014
MAKE: Mercedes
MODEL: CLA 250
MILEAGE: 26,107
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 22,132
TERM CONTRACTED: 60 mo
APR/LEASE RATE: 6.48%
MONTHLY PAYMENT: $422
ANNUAL INCOME: $118k
DEBT TO INCOME RATIO: <5%
MISCELLANEOUS COMMENTARY: I am recently discharged from BK7 due to my wife's overwhelming medical bills (almost $3M in total care) while having not-so-great insurance. Since discharge I begun a new job back in my career field. In an effort to allow her the best care, I took a 75% pay cut after she was diagnosed so I could stay close to her. Cap1 offered me between 4.88% and 9.8% depending on the vehicle financed. 

[Involver]

APPROVING BANK: DCU
BUREAU PULLED: EQ (No HP)
CREDIT SCORE: EQ08 currently 809 
CUSTOMER STATE OF RESIDENCE: IL
NEW/USED: USED
YEAR OF VEHICLE: 2017
MAKE: JEEP
MODEL: GRAND CHEROKEE
MILEAGE: 11091 
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: 30,104
TERM CONTRACTED: 65
APR/LEASE RATE: 2.24
MONTHLY PAYMENT: 507
ANNUAL INCOME: 104000
DEBT TO INCOME RATIO: 4%
MISCELLANEOUS COMMENTARY: 

[Anonymous]

APPROVING BANK: NFCU
BUREAU PULLED: (No HP)
CREDIT SCORE: FICO 9 571
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: NEW
YEAR OF VEHICLE: 2017
MAKE: TOYOTA
MODEL: TUNDRA
MILEAGE: 12
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: 47,981
TERM CONTRACTED: 72
APR/LEASE RATE: 3.9
MONTHLY PAYMENT:
ANNUAL INCOME: 155000
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY