Auto Loan Approvals!

[Anonymous]

I get to post this already even though I wasn't planning to buy until March lol. 

APPROVING BANK: Capital One Auto Financing
BUREAU PULLED: EQ
CREDIT SCORE: 611, husband: 666
CUSTOMER STATE OF RESIDENCE: Ohio
NEW/USED: New
YEAR OF VEHICLE: 2016
MAKE: Chevy
MODEL: Trax LT
MILEAGE: 18
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 14,350
TERM CONTRACTED: 72
APR/LEASE RATE: 3.99%
MONTHLY PAYMENT: $224
ANNUAL INCOME: 78k combined
DEBT TO INCOME RATIO: 29.4%
MISCELLANEOUS COMMENTARY: $16888 out the door, $5k down payment, bought extended warranty after countering first offer. 

[garagebandking]

APPROVING BANK: Pen Fed
BUREAU PULLED: EQ - technically the same pull used to open my account and credit card with them in the past week
CREDIT SCORE: 682 but their next gen had me at 699
CUSTOMER STATE OF RESIDENCE: New Jersey
NEW/USED: Used
YEAR OF VEHICLE: 2014
MAKE: Cadillac
MODEL: ATS
MILEAGE: 25k
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 15k
TERM CONTRACTED: 48
APR/LEASE RATE: 3.21%
MONTHLY PAYMENT: $333
ANNUAL INCOME: 89k
DEBT TO INCOME RATIO: After the mortgage last year, good question, around 28% including car loan, student loan, mortgage and credit card payments
MISCELLANEOUS COMMENTARY: Only asked for 15k, probably could've been approved for more. Had an 09 Audi as trade.

[bobvette]

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APPROVING BANK: Alliant CU
BUREAU PULLED: TU 
CREDIT SCORE: 753
CUSTOMER STATE OF RESIDENCE: Georgia
NEW/USED: Used
YEAR OF VEHICLE: 2015
MAKE: Jeep
MODEL: Wrangler Unlimited Sahara
MILEAGE: 5,500
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 35,500k
TERM CONTRACTED: 72
APR/LEASE RATE: 2.24%
MONTHLY PAYMENT: $525
ANNUAL INCOME: 175k
DEBT TO INCOME RATIO: Around 30%

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[Bleety17]

Congrats! That is a great looking Jeep!

[Anonymous]

You are giving me LIFE RIGHT NOW with your beautiful matte black jeep. She is everything 

CONGRATS, treat her with lots of love and show her off

[Anonymous]

This is a refi

APPROVING BANK: NFCU
BUREAU PULLED: All three
CREDIT SCORE: 611, husband: 666
CUSTOMER STATE OF RESIDENCE: Ohio
NEW/USED: Used (refi)
YEAR OF VEHICLE: 2016
MAKE: hyundai
MODEL: Elantra
MILEAGE: 20500
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 7,100
TERM CONTRACTED: 60
APR/LEASE RATE: 3.19% (was 9.49%)
MONTHLY PAYMENT: $124 (was $155)
ANNUAL INCOME: 78k combined
DEBT TO INCOME RATIO: 29.4%
MISCELLANEOUS COMMENTARY: Originally purchased Nov 2015, had a 30 day late last June (stupid mistake). 

[bobvette]

It is something else, I bought it sight unseen.  It is a lot bigger than I thought.  It has a 4" lift, 37 X 13.5 tires on 22"x12 rims.  The good news is that it has power step bars that come out from underneath to make is easier to get in and out of.

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@karladicent wrote:

You are giving me LIFE RIGHT NOW with your beautiful matte black jeep. She is everything 

CONGRATS, treat her with lots of love and show her off

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[egypt04]

APPROVING BANK: PenFed (was also approved by Cap1 for 8.23%)
BUREAU PULLED: EQ
CREDIT SCORE: 624
CUSTOMER STATE OF RESIDENCE: MN (bought in ND)
NEW/USED: New
YEAR OF VEHICLE: 2014
MAKE: Hyundai
MODEL: Elantra GT
MILEAGE: 18,867
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 11,640 (car was a steal at $13,490)
TERM CONTRACTED: 60
APR/LEASE RATE: 3.90% (was approved back in oct with santander for 14% - ouch)!!!
MONTHLY PAYMENT: $215
ANNUAL INCOME: 30k
DEBT TO INCOME RATIO: <15%
MISCELLANEOUS COMMENTARY: had to put down a bit more than i wanted ($2000 plus tax, title, etc) but it was worth it for my unbelievable rate!!! i owe it all to this board, been cleaning up my credit file since last February. i waited patiently to find the right vehicle loaded with all the goodies i've never had before like navigation, heated leather seats, panoramic moonroof and back up camera!!!!!! 

[Anonymous]

APPROVING BANK: CapitalOne Auto Finance
BUREAU PULLED: Experian
CREDIT SCORE: 680
CUSTOMER STATE OF RESIDENCE: North Carolina
NEW/USED: NEW
YEAR OF VEHICLE: 2017
MAKE: Nissan
MODEL: Maxima SV
MILEAGE: 15
RETAIL/LEASE: Finance
AMOUNT OF LOAN: $35,000
TERM CONTRACTED:72Mo.
APR/LEASE RATE: 4.43%
MONTHLY PAYMENT: $498, added on GAP, Extended Service (Oil, Inspections, etc), Tax, Admin Fee's & Misc junk charges, they always add to the end of the agreed upon amount.