Auto Loans

[srn]

Applied to DCU: Approved for $25K @ 5.49 % for 60 Months

[grevic24]

APPROVING BANK:  FL Central Credit Union
BUREAU PULLED:  Experian
CREDIT SCORE:  679
CUSTOMER STATE OF RESIDENCE: FL
NEW/USED:  New
YEAR OF VEHICLE: 2012

MAKE: Nissan

MODEL:  Versa
MILEAGE: 45
RETAIL/LEASE: Ret
AMOUNT OF LOAN:  14000
TERM CONTRACTED: 60
APR/LEASE RATE: 6.9
MONTHLY PAYMENT: 274

ANNUAL INCOME:  20000
MISCELLANEOUS COMMENTARY: Dealer wouldnt touch me due to repo & public rec in 08- cu gave me a B credit rating

[TrishN]

APPROVING BANK: NFCU
BUREAU PULLED: EQ+TU
CREDIT SCORE:623-660
CUSTOMER STATE OF RESIDENCE: South Carolina
NEW/USED: refinance
YEAR OF VEHICLE: 2009

MAKE:Honda

MODEL:Acc4D
MILEAGE:45000
RETAIL/LEASE:18500
AMOUNT OF LOAN:18500
TERM CONTRACTED:60
APR/LEASE RATE:5.99
MONTHLY PAYMENT:under 400

ANNUAL INCOME:60000
MISCELLANEOUS COMMENTARY:God financed from SANTANDER 20.99 paid 1 month then Refinance though NFCU. i tell you NFCU is Amazing.i Luv NFCU

[drboxing]

What was ur payment with SANTANDER @ 20.99 prior to your refinancing with NFCU?

[TrishN]

442 for 73 months. Is this crazy? Now refinance to 60 months with 5.99

[drboxing]

What a huge difference, I wonder why you int rate Santander was soo high? 20.99?, you'd FICO wasn't terrible

[TrishN]

I got in a dealer trap. They told me Santander is the only 1 pick me up, another couple turn me down. At that time I need a car,bc my old card stop work.then this month I found out. My brother been in military before, then I joint NFCU.

[kwinks]

APPROVING BANK: Audi financial service
BUREAU PULLED: transunion
CREDIT SCORE: 785 auto enhanced, 710 non auto enhanced
CUSTOMER STATE OF RESIDENCE: ca
NEW/USED: new
YEAR OF VEHICLE: 2013

MAKE: audi

MODEL: A4 Quattro 
MILEAGE: 0
RETAIL/LEASE: lease
AMOUNT OF LOAN: 45000
TERM CONTRACTED: 42 months
APR/LEASE RATE: 
MONTHLY PAYMENT: 450

ANNUAL INCOME : 33000
MISCELLANEOUS COMMENTARY:

I got my car in July, was initially denied by finance because of my age ( I was 19, now 20) and lack long credit history, however the finance manager at dealership apealed and got me approved. I am so happy that all my hard work to take care of my credit pulled off. I will definitely be enjoying the next 3 years. 

[BlueHusky]

^ How did you get a $45,000 loan for only 450 a month??  Even with 0% interest that would be over 8 years of payments...

[sccredit]

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BlueHusky wrote:

^ How did you get a $45,000 loan for only 450 a month??  Even with 0% interest that would be over 8 years of payments...

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Its a lease.  Means there is probably going to be $25k or so due at the end of the lease