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Contributor
drboxing
Posts: 80
Registered: ‎09-19-2012

Re: Auto Loan Approvals!

congrats on your new vehicle


Starting Score: TU 614 EX584
Current Score: TU 650/EX 650 (Walmart)
Goal Score: 710


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Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Auto Loan Approvals!

[ Edited ]
APPROVING BANK: Navy Federal Credit Union
BUREAU PULLED: EQ
CREDIT SCORE: 703 EQ 748 TU
CUSTOMER STATE OF RESIDENCE: Oklahoma
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Volvo
MODEL: XC90 R-Design  AWD with Platinum Package
MILEAGE: 0
RETAIL/LEASE: Retail Purchase
AMOUNT OF LOAN: 45k  Preapproved amount
TERM CONTRACTED: 60
APR/LEASE RATE: 1.79
MONTHLY PAYMENT:  Around $740
ANNUAL INCOME: Applied Jointly,  Combined income is 180k
 
MISCELLANEOUS COMMENTARY:   This is the first time I've been approved for the best vehicle rates offered. They did not need us to fax in pay stubs or w-2s.   My husband was the co-applicant.   We will be taking Overseas Delivery of a New Volvo XC90  R-Desgn with the Platinum Plus package.  European Delivery offers options not available in the USA.  We will be taking advantage of a two toned leather interior color scheme, and a Caspian Blue Metallic Exterior color scheme that is not available in the USA.  Volvo will fly us to Europe and put us up in a 5 star hotel.  Super great options.  Google Volvo Overseas Delivery for more details.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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MyFICO Fitness Goal: 800s Club!



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Frequent Contributor
germaine47
Posts: 305
Registered: ‎07-05-2011

Re: Auto Loan Approvals!

THAT'S WONDERIFIC !!!!!!!  Don't be like  I was just sitting in my new car feeling awe struck and amazed. Not beleiving that I could buy  a new car with great interest rates.   Congratulations

Fico September 2012; TU 681, EX 674, EQ 652
Fako October 2012: TU 706, EX 641,
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Auto Loan Approvals!

Thanks Germaine! This will be my second volvo and I'm very excited to pick it up and drive it around Europe! And to see the factory where volvo makes its cars!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Established Member
Calbuc
Posts: 13
Registered: ‎08-23-2012

Re: Auto Loan Approvals!

APPROVING BANK: Honda Auto Financing
BUREAU PULLED: Experian
CREDIT SCORE: 688
CUSTOMER STATE OF RESIDENCE: MN
NEW/USED: Used
YEAR OF VEHICLE: 2010
MAKE: Acura
MODEL: TL
MILEAGE: 29941
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 31,120
TERM CONTRACTED: 72
APR/LEASE RATE: 6.41
MONTHLY PAYMENT: 505
ANNUAL INCOME: $97000
MISCELLANEOUS COMMENTARY: 

Starting Score: 651
Current Score: 668
Goal Score: 701


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New Member
realestatepro
Posts: 2
Registered: ‎09-21-2012

Re: Auto Loan Approvals!

APPROVING BANK:MidFlorida CU
BUREAU PULLED:Equifax
CREDIT SCORE:692
CUSTOMER STATE OF RESIDENCE:FL
NEW/USED:New
YEAR OF VEHICLE:2012
MAKE:Nissan
MODEL:Frontier
MILEAGE:7
RETAIL/LEASE:Retail
AMOUNT OF LOAN:27,000
TERM CONTRACTED:72
APR/LEASE RATE:3.49
MONTHLY PAYMENT:418.00
ANNUAL INCOME:45,000
MISCELLANEOUS COMMENTARY:
 
APPROVING BANK:smileyfrustrated:unCoast Schools Federal CU
BUREAU PULLED:Experian
CREDIT SCORE:694
CUSTOMER STATE OF RESIDENCE:FL
NEW/USED:New
YEAR OF VEHICLE:2013
MAKE:Nissan
MODEL:Altima
MILEAGE:4
RETAIL/LEASE:Retail
AMOUNT OF LOAN:28,746
TERM CONTRACTED:72
APR/LEASE RATE:3.24
MONTHLY PAYMENT:434.00
ANNUAL INCOME:45,000
MISCELLANEOUS COMMENTARY: Purchased 2 cars the same night with my credit and income alone. Husband has income of 60,000 but credit issues so in order to get good rates I purchased both vehicles. No trade on either. 0 down on truck and $2,600 down on Altima.
Regular Contributor
coreyb80
Posts: 106
Registered: ‎07-26-2012

Re: Auto Loan Approvals!

Congrats realestatepro those are pretty solid deals you got and nice vehicles.

New Member
realestatepro
Posts: 2
Registered: ‎09-21-2012

Re: Auto Loan Approvals!

Thank you coreyb80 I'm pleased!!!:smileyvery-happy:

New Visitor
kpark80
Posts: 1
Registered: ‎10-17-2012

Re: Auto Loan Approvals!

APPROVING BANK: GM Financing (formerly AmeriCredit)
BUREAU PULLED: Unsure- finance manager at Dealership said he didn't have those details?
CREDIT SCORE: myFICO EQ 574 TU 543 EX (from Quizzle so not accurate) 664
STATE OF RESIDENCE: Louisiana
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Chevrolet
MODEL: Cruze
MILEAGE: 17
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: 20,106.98
TERM CONTRACTED: 72 MONTHS
APR/LEASE RATE: 10.91%
MISC COMMENTARY:  We're waiting on Wells Fargo to come back with an offer (or decline). Ally denied me, Cap One gave 12.99%. My annual salary is only 29K and this is my first vehicle purchase (Hubs normally buys all the rides) We took a nice hit when he was laid off in 2009-2010 from General Motors, trying to build back credit now, I'm purchasing b/c his credit is even lower than mine at present and we are in need of a vehicle...and I want to own one now that I have a stable job and income.
Hoping Wells will come back under 10.9%, I'm considering putting 2K down, just to help that monthly payment a little.
Valued Member
pt145
Posts: 40
Registered: ‎04-23-2011

Re: Auto Loan Approvals!

[ Edited ]
APPROVING BANK: Arizona Federal Credit Union
BUREAU PULLED: EX, Trans
CREDIT SCORE: 669, 719
CUSTOMER STATE OF RESIDENCE: ARIZONA
NEW/USED: USED
YEAR OF VEHICLE: 2012
MAKE: Chevy
MODEL: Malibu LT
MILEAGE: 28k
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $8,993
TERM CONTRACTED: 48 months
APR/LEASE RATE: 4.24%
MONTHLY PAYMENT: $204.xx
ANNUAL INCOME: 27k
MISCELLANEOUS COMMENTARY:

Entered Garden 6/3/2014, Staying until Jan 2016. Score 704 via Discover , EX674 via Amex. Goal 750
Chase Freedom 0/$2000, Amex BC 0/$2000, Wells Fargo 0/$2400, Amazon 0/$2500, Discover IT $2050/$3000,
Walmart Discover $0/$5000, Barclay NFL AZ Cardinals 0/$5000

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