Auto Loan Approvals!

[aichjw]

APPROVING BANK: Navy Federal Credit Union
BUREAU PULLED:Equifax
CREDIT SCORE:662
CUSTOMER STATE OF RESIDENCE:GA
NEW/USED:Used
YEAR OF VEHICLE:2007, 2007

MAKEaturn  and  Suzuki

MODELky,and XL7
MILEAGE:16802 and  34000
RETAIL/LEASE:retail
AMOUNT OF LOAN:28000
TERM CONTRACTED:60 months
APR/LEASE RATE:8.49
MONTHLY PAYMENT:560.00
MISCELLANEOUS COMMENTARY:

Navy federal approved me for 28k,  and allowed me to purchase two vehicles that totaled the amount of the loan.  I got the SUV and the sports roadster a day within each other.  They show up as two used car loans....... UNbelievable. 

[Anonymous]

APPROVING BANK:
BUREAU PULLED:
CREDIT SCORE:771
CUSTOMER STATE OF RESIDENCE:California
NEW/USED:New
YEAR OF VEHICLE:2010

MAKE:Acura

MODEL:MDX
MILEAGE:9
RETAIL/LEASE:Retail
AMOUNT OF LOAN:35,000
TERM CONTRACTED:60
APR/LEASE RATE:1.9%
MONTHLY PAYMENT:630
MISCELLANEOUS COMMENTARYulled EX by acura financial and qualified for the promotional 1.9%

[sup3rpat]

APPROVING BANK: Navy Federal Credit Union
BUREAU PULLED: Equifax, Transunion
CREDIT SCORE: 592, 640
CUSTOMER STATE OF RESIDENCE: Arizona     
NEW/USED: Used
YEAR OF VEHICLE: 2009

MAKE: Chevy

MODEL: Malibu
MILEAGE: 52k ~
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 15k
TERM CONTRACTED: 60
APR/LEASE RATE: 5.990
MONTHLY PAYMENT: 289
MISCELLANEOUS COMMENTARY: Great rate from NFCU even with a CO on my credit report

[Anonymous]

APPROVING BANK: Ford Motor Credit
BUREAU PULLED: Experian
CREDIT SCORE: Auto-enhanced was 697; FICO was 719
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: New
YEAR OF VEHICLE: 2010

MAKE: Mercury 

MODEL: Mariner
MILEAGE: 200
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 19,292
TERM CONTRACTED: 60 months
APR/LEASE RATE: 0.00%
MONTHLY PAYMENT: $321
MISCELLANEOUS COMMENTARY:

I was initially denied by Up2Drive, Capital One and BofA. Approved by RoadLoans for 24.99 (no thanks!), but qualified for 0% from Ford, likely due to a substantial down payment ($4,000). Very happy about 0% interest!

[Anonymous]

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@Anonymous wrote:

APPROVING BANK: Ford Motor Credit
BUREAU PULLED: Experian
CREDIT SCORE: Auto-enhanced was 697; FICO was 719
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: New
YEAR OF VEHICLE: 2010

MAKE: Mercury 

MODEL: Mariner
MILEAGE: 200
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 19,292
TERM CONTRACTED: 60 months
APR/LEASE RATE: 0.00%
MONTHLY PAYMENT: $321
MISCELLANEOUS COMMENTARY:

I was initially denied by Up2Drive, Capital One and BofA. Approved by RoadLoans for 24.99 (no thanks!), but qualified for 0% from Ford, likely due to a substantial down payment ($4,000). Very happy about 0% interest!

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Congratulations!

The only thing sweeter than 0% would be free! 

By the way, can you still negotiate a good price on the vehicle with the dealer providing 0%?

[Anonymous]

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@Anonymous wrote:

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Congratulations!

The only thing sweeter than 0% would be free! 

By the way, can you still negotiate a good price on the vehicle with the dealer providing 0%?

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Thanks, 06. ;-)

I had access to X-Plan pricing, plus an additional X-Plan rebate of $1,500, PLUS $1,000 trade-in bonus on my 1997 Chevy Cavalier (bought new when I was 24), PLUS I had a $750 'coupon'. Total rebates: $3250 WITH 0%. I didn't want to be a jerk and try to negotiate more after all that. Maybe I could have gotten a better deal, or more for my trade in, but I'm not going to worry about it too much. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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Congratulations!

The only thing sweeter than 0% would be free! 

By the way, can you still negotiate a good price on the vehicle with the dealer providing 0%?

---

Thanks, 06. ;-)

I had access to X-Plan pricing, plus an additional X-Plan rebate of $1,500, PLUS $1,000 trade-in bonus on my 1997 Chevy Cavalier (bought new when I was 24), PLUS I had a $750 'coupon'. Total rebates: $3250 WITH 0%. I didn't want to be a jerk and try to negotiate more after all that. Maybe I could have gotten a better deal, or more for my trade in, but I'm not going to worry about it too much. 

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I'd say you did pretty darned good! 

[Elitex]

APPROVING BANK: Infiniti financial services
BUREAU PULLED: Equifax
CREDIT SCORE:eq-648 ( 622 auto enhanced), TU 650, EXP 656 fako
CUSTOMER STATE OF RESIDENCE: GA
NEW/USED: new
YEAR OF VEHICLE: 2010

MAKE: Infiniti

MODEL: G37 sedan
MILEAGE: 10
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 42386
TERM CONTRACTED: 72
APR/LEASE RATE: 3.9
MONTHLY PAYMENT:662
MISCELLANEOUS COMMENTARY: Bought a new g37 sedan w/ sport, premium and nav for 36300, rolled in some negative equity from my trade. Put $3000 down. Bought gap insurance

[Anonymous]

Thanks so much Elitex for your post. I'm very glad to hear that you got approved with Infiniti Financial Services with your credit score. I kept going back and forth between Acura and Infiniti and have decided that I want the 2011 M37 after testing and comparing both. I am waiting until next year this time to build my score up to 700 at least from 629 EQ and I saving $15,000 down. I hope that will help me. I will not settle for less Thanks again and enjoy your G!!!!

[Anonymous]

It's good to see people are including more important information in the additional comments field. I think the boilerplate copy/paste post should include down payment (if any) as a standard field. Congrats on your loans to those who've posted success.