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Regular Contributor
ImprovingYouth
Posts: 154
Registered: ‎09-21-2012

Re: Auto Loan Approvals!


mtrsprt wrote:
APPROVING BANK: Wells Fargo Dealer Services
BUREAU PULLED: TU
CREDIT SCORE: 639
CUSTOMER STATE OF RESIDENCE: NH
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Ford
MODEL: Boss 302 Mustang
MILEAGE: 17
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $ 27,000.00 ($19,000.00 down)
TERM CONTRACTED: 66 months
APR/LEASE RATE: 4.14%
MONTHLY PAYMENT: $442.00
ANNUAL INCOME: $58,000.00 base.
MISCELLANEOUS COMMENTARY:  I have been very happy with Wells Fargo.  3 auto loans within 1.5 years DURING my current rebuilding process......

Good taste. :smileytongue:

Age: 22 //Cards: Chase Freedom, Chase Amazon Visa, Discover IT, CreditOne, CapOne Quicksilver, CapOne Cash, Walmart, Barclaycard, Citibank BestBuy, NavyFederal Visa Signature cashRewards //AAoA: 1 Year 3 Months (but going down quickly :smileytongue:) //CK:692, Sesame:656
Established Contributor
FloridaState12
Posts: 614
Registered: ‎08-24-2011

Re: Auto Loan Approvals!


mtrsprt wrote:
APPROVING BANK: Wells Fargo Dealer Services
BUREAU PULLED: TU
CREDIT SCORE: 639
CUSTOMER STATE OF RESIDENCE: NH
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Ford
MODEL: Boss 302 Mustang
MILEAGE: 17
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $ 27,000.00 ($19,000.00 down)
TERM CONTRACTED: 66 months
APR/LEASE RATE: 4.14%
MONTHLY PAYMENT: $442.00
ANNUAL INCOME: $58,000.00 base.
MISCELLANEOUS COMMENTARY:  I have been very happy with Wells Fargo.  3 auto loans within 1.5 years DURING my current rebuilding process......

Nice! I was thinking of getting a Mustang GT, but decided to wait until the redesign in 2015, then look at my options. But solid choice with the 302!

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Contributor
Jimmy9224
Posts: 162
Registered: ‎04-15-2011

Re: Auto Loan Approvals!

APPROVING BANK: Kia motors
BUREAU PULLED: EQ
CREDIT SCORE: 680
CUSTOMER STATE OF RESIDENCE: FL
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Kia
MODEL: Optima LX
MILEAGE: 12
RETAIL/LEASE: Finance
AMOUNT OF LOAN: 19487
TERM CONTRACTED: 72
APR/LEASE RATE: 8
MONTHLY PAYMENT: 316.00
ANNUAL INCOME: 25000
MISCELLANEOUS COMMENTARY:

 Got approved today with just $1500 down! I love this car! 

My wallet : Amex Zync NPSL , Discover More $3500, BankAmericard Cash Rewards $1000, Walmart Discover $1400, Chase Freedom $1000, Capital one Platinum $1000, Macy's Store card $100, Amazon Store card $1400, Southwest rapid rewards $5000, Marriot Visa $5000. Barclay Apple $1200
New Member
jrd4013
Posts: 3
Registered: ‎07-28-2011

Re: Auto Loan Approvals!

APPROVING BANK: Ally
BUREAU PULLED: TU
CREDIT SCORE: 671
CUSTOMER STATE OF RESIDENCE: IN
NEW/USED: New
YEAR OF VEHICLE: 2012
MAKE: Chevrolet
MODEL: Camaro 2LT RS Convertible
MILEAGE: 350
RETAIL/LEASE: Finance
AMOUNT OF LOAN: 38000
TERM CONTRACTED: 72
APR/LEASE RATE: 0
MONTHLY PAYMENT: 539
ANNUAL INCOME: 98500
MISCELLANEOUS COMMENTARY:

 Got approved a week ago with $0 down cash and $3600 for my trade.

Member
BustersMomma
Posts: 7
Registered: ‎02-07-2009

Re: Auto Loan Approvals!

APPROVING BANK: PenFed
BUREAU PULLED: Equifax
CREDIT SCORE: 767 (CreditSecure)
CUSTOMER STATE OF RESIDENCE: WA
NEW/USED: New
YEAR OF VEHICLE: 2013

MAKE: Volkswagen

MODEL: Beetle TDI
MILEAGE: 8
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $26,665
TERM CONTRACTED: 60 months
APR/LEASE RATE: 0.99%
MONTHLY PAYMENT: $456
MISCELLANEOUS COMMENTARY: I ordered “Astrid” 6 months ago, they didn’t have a manual transmission anywhere, especially the Yellow Rush color with Sun/Sound/Nav. I was thrilled to see PenFed continued their .99% rate for 5 years, couldn’t quite swing a 4 yr loan payment for the .49% rate. :smileyhappy:

Established Member
Spoolingbyu
Posts: 11
Registered: ‎09-22-2012

Re: Auto Loan Approvals!

APPROVING BANK: Suncoast Schools Federal CU
BUREAU PULLED Experian
CREDIT SCORE: 589 auto enhanced. 
CUSTOMER STATE OF RESIDENCE: FL
NEW/USED: Used
YEAR OF VEHICLE: 2011
MAKE: Ford
MODEL:  Mustang GT Premium w/ vortech super charger
MILEAGE: 30102
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $27129 ($5000 Down)   Includes Gap and 6/72k full extended warranty.
TERM CONTRACTED:72 
APR/LEASE RATE:7.75
MONTHLY PAYMENT: 473
ANNUAL INCOME: $61k
MISCELLANEOUS COMMENTARY:  I  have seven medical collections that have been paid and haven't updated on my TU and EQ reports and should be updated this month.  I was turned down by every bank including  both BoA and my personal CU for loans and both have  checking accounts with $10k+ in each of them.  My EX report has only one collection  that is in dispute cause it was paid to the OC before it went to the CA.  My fako pulled score is 515 with one credit card showing a 83% utilization  which has a $200 limit that I PIF every time it's used. I used it with out realizing it was the day before reporting and there is a 3 day wait before I could pay it.   
 
I have one auto loan ($430.00 Month) with Santander already with a 24% interest rate which they approved me for another loan as well, but only if I traded my old car in and it was at 18% apr.

 

 

I super excited.  I wasn't even going to try to purchase another vehicle until my credit reports updated but  my 1 year old threw up in the car so we pulled over at the Toyota dealer to clean her up and a swarm of  sales guys came over trying to sell my wife a Mini van.  She mentioned that if we buy anything it will be a mustang and the sales guy said "today is your lucky day, we just got a trade in this morning you might be interested in."   They said it was a one owner bone stock car.  When they gave me the keys and I cranked it up first thing I heard was the vortech charger.  I cut it off and said lets do paper work. The salesmen said he was going  to let the maintenance department check out the noise but I told him its  power steering noise on cold start up and it is normal with mustangs.  Either way I got the car wanted to begin with, the color I want, fully loaded, and supercharged already.  I'm ecstatic.  I can't go to sleep.



Starting Score: 515EQ/556TU
Current Score: 632EQ/632TU
Goal Score: 750


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Established Member
H-Town_Tider
Posts: 21
Registered: ‎09-16-2012

Re: Auto Loan Approvals!

APPROVING BANK: Bank of America
BUREAU PULLED: Equifax
CREDIT SCORE:743
CUSTOMER STATE OF RESIDENCE: Texas
NEW/USED: Used
YEAR OF VEHICLE: 2013
MAKE: Acura
MODEL: TL
MILEAGE: 3,454
RETAIL/LEASE: Loan
AMOUNT OF LOAN: $40,209
TERM CONTRACTED: 72
APR/LEASE RATE: 2.24%
MONTHLY PAYMENT: $597
ANNUAL INCOME: $80,000
MISCELLANEOUS COMMENTARY: I was pre-approved by USAA for $35,000 at 3.29%, but was able to get a better rate, more on the loan and $0 down by going through the dealer. The car was a loaner car used by customers who brought their car in to get serviced. I've always had nothing but old beaters to this point, so I'm super pumped about this car!


Starting Score: 671 TU (1/29/12), 653 EQ (1/29/12)
Current Score: 740 TU (5/5/13), 759 EQ (6/5/13), 745 EX (6/15/13)
Goal Score: 800+


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Valued Member
michintom
Posts: 37
Registered: ‎01-11-2013

Re: Auto Loan Approvals!

APPROVING BANK: Acura/Honda Financial
BUREAU PULLED: EQ Auto Enchanced
CREDIT SCORE: 654
CUSTOMER STATE OF RESIDENCE: California
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Acura
MODEL: TSX 2.4 Tech Package
MILEAGE: 13
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $25717.42
TERM CONTRACTED:60
APR/LEASE RATE:1.9%
MONTHLY PAYMENT: $450.00
ANNUAL INCOME: $79200
MISCELLANEOUS COMMENTARY: 

Starting Score: 660
Current Score: 691
Goal Score: 850


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Valued Member
Sputney23
Posts: 44
Registered: ‎08-13-2012

Re: Auto Loan Approvals!


michintom wrote:
APPROVING BANK: Acura/Honda Financial
BUREAU PULLED: EQ Auto Enchanced
CREDIT SCORE: 654
CUSTOMER STATE OF RESIDENCE: California
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Acura
MODEL: TSX 2.4 Tech Package
MILEAGE: 13
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $25717.42
TERM CONTRACTED:60
APR/LEASE RATE:1.9%
MONTHLY PAYMENT: $450.00
ANNUAL INCOME: $79200
MISCELLANEOUS COMMENTARY: 

How much did you have to put down?

EQ 700 Trans 695 Exp 722
Regular Contributor
scorpiostinger07
Posts: 203
Registered: ‎09-17-2007

Re: Auto Loan Approvals!

APPROVING BANK: Ally
BUREAU PULLED: TU
CREDIT SCORE: 660
CUSTOMER STATE OF RESIDENCE: AZ
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Chevrolet
MODEL: Equinox
MILEAGE: 11
RETAIL/LEASE: Finance
AMOUNT OF LOAN: $34,000
TERM CONTRACTED: 72
APR/LEASE RATE: 8.9
MONTHLY PAYMENT: $589
ANNUAL INCOME: $52,000
MISCELLANEOUS COMMENTARY:

 Got approved through Ally fincance guy said I came in at a Tier B which got me 8.9%. Going back later to cancel the warranty as I found it cheaper online. Will update with new info once I get back from dealer later this morning.


Starting Score: 433
Current Score: 700
Goal Score: 750


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