Auto Loan Approvals!

[Anonymous]

APPROVING BANK: PNC Bank
BUREAU PULLED: Equifax
CREDIT SCORE: 700
CUSTOMER STATE OF RESIDENCE: GA
NEW/USED: Used
YEAR OF VEHICLE: 2014
MAKE: Ford
MODEL: Fusion Titanium
MILEAGE: 42k
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 19k
TERM CONTRACTED: 72 months
APR/LEASE RATE: 4.79%
MONTHLY PAYMENT: 338
ANNUAL INCOME: ~26k
DEBT TO INCOME RATIO: Was .38
MISCELLANEOUS COMMENTARY: I work at a dealership.

[imacreative]

APPROVING BANK: Randolph Brooks Federal Credit union
BUREAU PULLED: Transunion
CREDIT SCORE: 777
CUSTOMER STATE OF RESIDENCE: TX
NEW/USED: Used
YEAR OF VEHICLE: 2013
MAKE: FORD
MODEL: F150 Platinum
MILEAGE: 32k
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 31k
TERM CONTRACTED: 66 months
APR/LEASE RATE: 1.65%
MONTHLY PAYMENT: 412
ANNUAL INCOME: 181k
DEBT TO INCOME RATIO: Was .20
MISCELLANEOUS COMMENTARY:

[stagefoursurvivor]

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@stagefoursurvivor wrote:

APPROVING BANK: Bethpage FCU
BUREAU PULLED: Ex
CREDIT SCORE: 701
CUSTOMER STATE OF RESIDENCE: NY
NEW/USED: Used
YEAR OF VEHICLE: 2012
MAKE: Acura
MODEL: RL
MILEAGE: 52K
RETAIL/LEASE: Retail $25K
AMOUNT OF LOAN: 18,500
TERM CONTRACTED: 60 mos
APR/LEASE RATE: 2.24
MONTHLY PAYMENT: 327
ANNUAL INCOME: 124000
DEBT TO INCOME RATIO: 10% w/o mortgage
@MISCELLANEOUS COMMENTARY:  Also offered 72mos @2.49 Refused dealers offer to shop APR; Didn't want a dozen HPs; Spotless CarFax & Service record; Trade-in came close to actual price but, total interest over 5yrs is just north of $1K; Will revisit RLXh in a couple years

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[Marcin1287]

APPROVING BANK:Honda Financial Services
BUREAU PULLED:Experian
CREDIT SCORE:836/824 Joint
CUSTOMER STATE OF RESIDENCE:MA
NEW/USED:New
YEAR OF VEHICLE:2015
MAKE:Honda
MODEL:Accord EX
MILEAGE:162
RETAIL/LEASE:Retail
AMOUNT OF LOAN:21898
TERM CONTRACTED:60 months
APR/LEASE RATE: .9 APR
MONTHLY PAYMENT:373
ANNUAL INCOME:135,000 combined
DEBT TO INCOME RATIO: 5
MISCELLANEOUS COMMENTARY: No problemo

[darkknight59]

APPROVING BANK: InTouch Credit Union
BUREAU PULLED: TU
CREDIT SCORE: 801
CUSTOMER STATE OF RESIDENCE: TX
NEW/USED: Used
YEAR OF VEHICLE: 2014
MAKE: Mercedes Benz
MODEL: SLK 250
MILEAGE: 5k
RETAIL/LEASE: Retail $39,400.00
AMOUNT OF LOAN: S41,770.00
TERM CONTRACTED: 72 mos
APR/LEASE RATE: 1.99
MONTHLY PAYMENT: 619
ANNUAL INCOME: 160,000
DEBT TO INCOME RATIO: 30% with Mortgage
MISCELLANEOUS COMMENTARY:Fast process walked in one day received approval letter, went to dealer and worked out deal, traded in 2012 SLK (had equity) provided letter with instructions, e-signed at the dealer ship, drafting instructions provided...off and running

[Anonymous]

APPROVING BANK: Cap One
BUREAU PULLED: All 3
CREDIT SCORE: 591 Equ, 586 Transu, 588 Exp (myfico) my husband co-signed and his scores are similar. Dealer said our Auto Enhance were 640 me and 620 husband
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: New
YEAR OF VEHICLE: 2015
MAKE: Toyota 
MODEL: Sienna LE
MILEAGE: 6
RETAIL/LEASE: Retail 
AMOUNT OF LOAN: 26,000
TERM CONTRACTED: 72 months
APR/LEASE RATE: 4.65%
MONTHLY PAYMENT: $411
ANNUAL INCOME: 70,000 combined with husband
DEBT TO INCOME RATIO: 1%
MISCELLANEOUS COMMENTARY: Have been rebuiling since November scores were in the low 500's then. Could not belive how low my APR with Cap One was. We were actually denied by our local credit union and Toyota Finacial APR was at 14.99%. Our dealer was surpirsed at the rate as well. Thank you Cap One!!!

[guydiver]

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@Anonymous wrote:

APPROVING BANK: Cap One
BUREAU PULLED: All 3
CREDIT SCORE: 591 Equ, 586 Transu, 588 Exp (myfico) my husband co-signed and his scores are similar. Dealer said our Auto Enhance were 640 me and 620 husband
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: New
YEAR OF VEHICLE: 2015
MAKE: Toyota 
MODEL: Sienna LE
MILEAGE: 6
RETAIL/LEASE: Retail 
AMOUNT OF LOAN: 26,000
TERM CONTRACTED: 72 months
APR/LEASE RATE: 4.65%
MONTHLY PAYMENT: $411
ANNUAL INCOME: 70,000 combined with husband
DEBT TO INCOME RATIO: 1%
MISCELLANEOUS COMMENTARY: Have been rebuiling since November scores were in the low 500's then. Could not belive how low my APR with Cap One was. We were actually denied by our local credit union and Toyota Finacial APR was at 14.99%. Our dealer was surpirsed at the rate as well. Thank you Cap One!!!

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Congrats.  Nice rate all things considered for sure. 

[sam818]

Excellent!

Would you mind sharing:

1. Did you apply on line?
2. How long did the approval take?

3. Did they require any income documentation?

[sam818]

Excellent!

Would you mind sharing:

1. Did you apply on line?
2. How long did the approval take?

3. Did they require any income documentation?

[jbsea]

APPROVING BANK:NFCU
BUREAU PULLED: Equifax
CREDIT SCORE:642
CUSTOMER STATE OF RESIDENCE: WA
NEW/USED: USED
YEAR OF VEHICLE:2006

MAKE:Audi

MODEL:A6
MILEAGE:77000
RETAIL/LEASE:Retail
AMOUNT OF LOAN:21000
TERM CONTRACTED:48 months
APR/LEASE RATE:2.99
MONTHLY PAYMENT:TBD
MISCELLANEOUS COMMENTARY: Asked for $19,000 approved for $24000