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Member
Posts: 9
Registered: ‎11-12-2008
0

Re: Auto Loan Approvals!

APPROVING BANK: PENFED
BUREAU PULLED: EQ
CREDIT SCORE: 738
CUSTOMER STATE OF RESIDENCE: Military Germany
NEW/USED: NEW
YEAR OF VEHICLE: 2009
MAKE: BMW
MODEL: 328i
MILEAGE: 0
RETAIL/LEASE: retail
AMOUNT OF LOAN: 29100
TERM CONTRACTED: 6
APR/LEASE RATE: 5.75
MONTHLY PAYMENT: 478
MISCELLANEOUS COMMENTARY: Purchased using the BMW military sales program, total price for the ca rwas 30100, including nav and heated seats. to good a deal to pass on.
FICO JAN 09 TU 736 / EQ 753 / EX 704?
Established Contributor
Posts: 532
Registered: ‎03-05-2009
0

Re: Auto Loan Approvals!

APPROVING BANK: NAVY FEDERAL CREDIT UNION
BUREAU PULLED: EQ
CREDIT SCORE: 803
CUSTOMER STATE OF RESIDENCE: Pennsylvania
NEW/USED: NEW
YEAR OF VEHICLE: 2009
MAKE: AUDI
MODEL: A4 Quattro 2.0T
MILEAGE: 0
RETAIL/LEASE: retail
AMOUNT OF LOAN: 24,000 (Paid 15k in cash)
TERM CONTRACTED: 6
APR/LEASE RATE: 3.99
MONTHLY PAYMENT: 478
MISCELLANEOUS COMMENTARY: NFCU ROCKS!!!  Called in to run application, approved next day, received check in mail 2 days later. Fantastic Customer service and this will be the third car financed through NFCU.

Member
Posts: 7
Registered: ‎07-02-2007
0

Re: Auto Loan Approvals!

APPROVING BANK: First Financial Federal Credit Union
BUREAU PULLED: Experian   My lowest of course!
CREDIT SCORE: 598
CUSTOMER STATE OF RESIDENCE: NJ
NEW/USED: Used
YEAR OF VEHICLE:2007
MAKE:Nissan
MODEL:smileyfrustrated:entra
MILEAGE:24,695
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $10,500
TERM CONTRACTED: 60 mo
APR/LEASE RATE: 15.7%
MONTHLY PAYMENT: $253
MISCELLANEOUS COMMENTARY:Ive gotten quite a few denials because of the fact that im self employed and most my money is under the table, most wanted a cosigner that had a w2.  My scores were 598, 613, and 630.  I went into first financial, gave them my tax forms, got a call a few hours later saying I was approved, simple as that!. 
Valued Member
Posts: 44
Registered: ‎05-18-2009
0

Re: Auto Loan Approvals!

[ Edited ]

APPROVING BANK: Capital One Auto
BUREAU PULLED: All 3
CREDIT SCORE: Hi: 685 - Low 675
CUSTOMER STATE OF RESIDENCE: DE
NEW/USED: Used
YEAR OF VEHICLE: 2007 (rate is variable with the year of car you purchase)
MAKE:  Chevy
MODEL: Equinox
MILEAGE: 22,300
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $ was approved up to $20K

TERM CONTRACTED: 60 mo
APR/LEASE RATE: 8.2% (if I chose a 2008 vehicle - 7.7%; 2009 - 7.2)
MONTHLY PAYMENT: $ N/A
MISCELLANEOUS COMMENTARY:  DIDN'T TAKE THE LOAN - I went to my credit union the next morning

 

AND...

 

APPROVING BANK: DPL Federal Credit Union
BUREAU PULLED: TU
CREDIT SCORE: 685 (prop 680 after the Capital One pull)
CUSTOMER STATE OF RESIDENCE: DE
NEW/USED: Used
YEAR OF VEHICLE:2007
MAKE: Chevy
MODEL: Equinox
MILEAGE: 22,300
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $17,252 (16,775.00 for car, included disability ins & taxes in loan)
TERM CONTRACTED: 60 mo
APR/LEASE RATE: 5.5%
MONTHLY PAYMENT: $379 (incl disability ins).
MISCELLANEOUS COMMENTARY:   One year ago I was in the low to mid 500's a/k/a 10th Circle of Hell.  I worked - extremely hard - to get my report clean.  I have no baddies now except our discharged Chapter 13 (2/2009).  I also have an auto loan that I paid off three years early back in 2004.  I had to pay NO MONEY DOWN and my car payments are payroll deducted.  YIPPEE!!

 

I couldn't be more happy - if I can do it - you can do it too - JOIN A CREDIT UNION!

Message Edited by Klaws1000 on 07-10-2009 08:52 AM
Message Edited by Klaws1000 on 07-10-2009 10:10 AM
FICO SCORES: 7/29/14 - TU 692 EX 688 EP ?
Member
Posts: 9
Registered: ‎06-24-2008
0

Re: Auto Loan Approvals!

APPROVING BANK: PenFed
BUREAU PULLED:  EQ
CREDIT SCORE:  696
CUSTOMER STATE OF RESIDENCE: California
NEW/USED:   USED
YEAR OF VEHICLE:  2007
MAKE: VW
MODEL: Jetta
MILEAGE: 37,000
RETAIL/LEASE: Lease
AMOUNT OF LOAN: $13,000
TERM CONTRACTED: 60 mos
APR/LEASE RATE: 3.00
MONTHLY PAYMENT:  $240
MISCELLANEOUS COMMENTARY:  I am currently on lease and wanted to buy-out the car, very easy process to apply online with PenFed (I've only been a customer for 1 month with thier Visa card).  Upon requesting the $13k loan, PenFed asked me to fax in last two paystubs and payoff quote and the loan was approved the very next day!!
Established Member
Posts: 17
Registered: ‎04-23-2009
0

Re: Auto Loan Approvals!

APPROVING BANK: Brazos Valley credit union
BUREAU PULLED:Equifax
CREDIT SCORE:700
CUSTOMER STATE OF RESIDENCE:tx
NEW/USED:used
YEAR OF VEHICLE: 2006
MAKE:toyota
MODEL: 4 runner limited
MILEAGE: 41k
RETAIL/LEASE:retail
AMOUNT OF LOAN:$17,000
TERM CONTRACTED:48mos
APR/LEASE RATE:5.5
MONTHLY PAYMENT:418
MISCELLANEOUS COMMENTARY: Paid 3000 down... went out for a newer 08, but found my new baby.. pleased! Didnt even mess with dealership financing as I was tickled with the 5.5!  My last car was in 02 had to have my dad cosign, since my score was 460!!! Feeling purty darn grown up now.. :smileyhappy:
New Member
Posts: 1
Registered: ‎05-01-2009
0

Re: Auto Loan Approvals!

APPROVING BANK: GMAC
BUREAU PULLED:  Didn't ask, but I bought new scores in the am
CREDIT SCORE:   TU 632, EQ 642
CUSTOMER STATE OF RESIDENCE: Wisconsin
NEW/USED:   New
YEAR OF VEHICLE:  2009
MAKE: Chev
MODEL: Malibu
MILEAGE: 70
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $26,901
TERM CONTRACTED: 60 mos
APR/LEASE RATE: 7.25
MONTHLY PAYMENT:  $535
MISCELLANEOUS COMMENTARY:  Second tier financing.  I traded in a 2006 Cobalt with high-mileage that was badly upside down from a 17% interest rate, 72 month loan.  Got trade in of $3500 and I put $3000 down, plus pricing special and $2000 rebates.  I still have negative equity (MSRP - $24590), but I'm in better shape with this loan than three years ago.  Walked in to dealer at 2 pm, picked up the car at 5:30pm.
New Member
Posts: 2
Registered: ‎07-25-2007
0

Re: Auto Loan Approvals!

APPROVING BANK: Alliant Credit Union
BUREAU PULLED: Equifax
CREDIT SCORE:729
CUSTOMER STATE OF RESIDENCE:CA
NEW/USED: Brand New
YEAR OF VEHICLE:2009
MAKE:Honda
MODEL:Civic LX
MILEAGE:30
RETAIL/LEASE:Retail
AMOUNT OF LOAN:$12,115.91
TERM CONTRACTED:60 months
APR/LEASE RATE:4.35%
MONTHLY PAYMENT:$225.06
MISCELLANEOUS COMMENTARY:I got what I believe was a pretty sweet deal on crystal (that's her name) $15,292.75 (MSRP is $18,965 and invoice is $17,818). Lowballed a bit on my trade in, but she honestly presented in much better shape than she actually is, so I'm ok with that. Put $3500 down cash, $1500 trade. Super excited. I've always been a super lurker on this site, but have learned so much and improved my credit exponentially! Much better deal than my last car!
Regular Contributor
Posts: 119
Registered: ‎03-08-2009
0

Re: Auto Loan Approvals!

APPROVING BANK: ESL Federal Credit Union
BUREAU PULLED: Equifax/Experien
CREDIT SCORE:629/unknown, husband 661/unknown
STATE OF RESIDENCE:NY
NEW/USED: Brand New
YEAR OF VEHICLE:2009
MAKE:Nissan
MODEL:Versa
MILEAGE:43 
RETAIL/LEASE:Retail
AMOUNT OF LOAN:$13,163
TERM CONTRACTED:84 months
APR/LEASE RATE:9.54%
MONTHLY PAYMENT:$216
MISCELLANEOUS COMMENTARY:I got a $19,000 car for $13,163 including undercoating.  Traded in our 1999 Mitzubishi Montero in the cash for clunkers and got $4500 plus $1750 rebate and $800 off the MRSP.  I'm very happy with this deal seeing we just had our Chapter 13 discharged in Nov 2008.  Dealership said we got Tier I rates with our credit union (they deal with them a lot).  I took the longer loan and will pay extra as dh wants a used Silverado before winter.  All in all very happy except have to wait until Friday to get it as that is when the Cash for Clunkers program starts.
Frequent Contributor
Posts: 273
Registered: ‎06-30-2008
0

Re: Auto Loan Approvals!

[ Edited ]
APPROVING BANK:Smart Financial
BUREAU PULLED: Equifax
CREDIT SCORE:689
STATE OF RESIDENCE:TX
NEW/USED: USED
YEAR OF VEHICLE:2005
MAKE:BMW
MODEL: 545I
MILEAGE:40300
RETAIL/LEASE:Retail
AMOUNT OF LOAN:$27,500
TERM CONTRACTED:48 months
APR/LEASE RATE:7.0%
MONTHLY PAYMENT:$658
MISCELLANEOUS COMMENTARY: Vehicle come with  manufacturer's warranty to 100k and all the bells and whistles.
Message Edited by cw81 on 07-22-2009 03:02 PM

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