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Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012

Re: Auto Loan Approvals!


Bella1980 wrote:

APPROVING BANK: Honda Financial
BUREAU PULLED: Equifax
CREDIT SCORE:  734
CUSTOMER STATE OF RESIDENCE: FL
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Honda
MODEL: CRV
MILEAGE: 19
RETAIL/LEASE: Retail
AMOUNT OF LOAN: ~$24,900
TERM CONTRACTED: 48 months
APR/LEASE RATE: 2.34%
MONTHLY PAYMENT: Not sure
MISCELLANEOUS COMMENTARY:  I also got approved at 2.54% with Capital One. I am pretty sure that I qualified for 0.9% financing because they offered me that if I bought an extended warranty and gap insurance. I declined.


Yup, you were tier 1 and honda is currently offering 0.9% for up to 60 months.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Member
maxima89
Posts: 11
Registered: ‎03-20-2013

Re: Auto Loan Approvals!

This thread is to be used for your Auto Loan Approvals just copy and paste!
 
APPROVING BANK: Premier Federal Credit Union NC
BUREAU PULLED: equifax
CREDIT SCORE: 627
CUSTOMER STATE OF RESIDENCE: NC
NEW/USED: used
YEAR OF VEHICLE: undecided
MAKE:
MODEL:
MILEAGE:
RETAIL/LEASE:
AMOUNT OF LOAN:16,500
TERM CONTRACTED:7 years
APR/LEASE RATE:8.7
MONTHLY PAYMENT:$330
ANNUAL INCOME: $30,000
DEBT TO INCOME RATIO: $30,000 in student loans currently




Regular Contributor
JRomulus
Posts: 127
Registered: ‎07-26-2010

Re: Auto Loan Approvals!

APPROVING BANK: Audi Finance
BUREAU PULLED: Transunion
CREDIT SCORE: 724  FICO

CREDIT SCORE:  694 AUTO FICO
CUSTOMER STATE OF RESIDENCE: IL
NEW/USED: NEW
YEAR OF VEHICLE: 2013
MAKE:  AUDI
MODEL: A6

MILEAGE: 100

RETAIL/LEASE: RETAIL
AMOUNT OF LOAN:65,000
TERM CONTRACTED:7 years
APR/LEASE RATE: 3.9%
MONTHLY PAYMENT:1016
ANNUAL INCOME: 200,000
DEBT TO INCOME RATIO: 34


Starting Score: TU 699 EQ 651 EX FAKO 705
Current Score: TU 724 EQ 714 EX FAKO 770
Goal Score: 760
Member
gkgk12
Posts: 5
Registered: ‎10-15-2012

Re: Auto Loan Approvals!

APPROVING BANK: TD Auto Finance
BUREAU PULLED: Equifax, Transunion
CREDIT SCORE: 714  FICO (myfico)

CREDIT SCORE:  666 AUTO FICO (equifax), 712 (transunion)
CUSTOMER STATE OF RESIDENCE: FL
NEW/USED: NEW
YEAR OF VEHICLE: 2013
MAKE:  PORSCHE
MODEL: BOXSTER S

MILEAGE: 10

RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: 59,000.00
TERM CONTRACTED: 5 years
APR/LEASE RATE: 5.09%
MONTHLY PAYMENT: 1122
ANNUAL INCOME: 204,000
DEBT TO INCOME RATIO: 29

 
Established Member
albinotiger
Posts: 13
Registered: ‎07-12-2012

Re: Auto Loan Approvals!

Dont think i can copy and paste with a nook, but i wanted to post my purchase today. Ford explorer 2013 base model $29150 plus dealer fee leased 39 months Pulled expierian Score 687 Got top tier red carpet lease ford motor credit Had about 3000 in negative equity they buried in the lease Zero out of pocket(not a dime) $420 a month Comments; sorry about the format; Last day of both the month and the quarter today.. i think that helped. Interesting that the expierian score range went up to 877 not 850 when they showed me my score. This is my first new car lease since 2004.. nice to be able to get tier one again after my credit got slamed in 2008. it took over 4 years to fix my credit. No leather or sunroof on this truck ,but maybe next lease,,!!..
Established Member
Poquelin
Posts: 20
Registered: ‎03-25-2013

Re: Auto Loan Approvals!

[ Edited ]
This thread is to be used for your Auto Loan Approvals just copy and paste!
 
APPROVING BANK:Ford Motor
BUREAU PULLED: experian
CREDIT SCORE: 596
CUSTOMER STATE OF RESIDENCE: Florida
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Ford
MODEL: Fiesta SE
MILEAGE: 11
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 16,162.41
TERM CONTRACTED: 72
APR/LEASE RATE: 16.78
MONTHLY PAYMENT: 360.04
ANNUAL INCOME: $75,000
DEBT TO INCOME RATIO: 3%
MISCELLANEOUS COMMENTARY: They told me I was approved for $401/ mo for 72 months. When I asked what the % rate was they told me it was 16.78%. When I plugged in my calculator payment was actually $360. They quickly corrected it saying they forgot to back out the rebate.... I put $1000.00 down.




Message Edited by Schoolbuskid on 05-31-2008 09:46 AM
Starting Score: 638
Current score: 681
Target Score: 725
Regular Contributor
92235
Posts: 140
Registered: ‎03-30-2010

Re: Auto Loan Approvals!

Finally able to post!

 

APPROVING BANK: Fifth Third Bank
BUREAU PULLED: EX
CREDIT SCORE: 777
CUSTOMER STATE OF RESIDENCE: UT
NEW/USED: Used
YEAR OF VEHICLE: 2012
MAKE: Hyundai
MODEL: Accent
MILEAGE: 23847
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $15746 - $5000 Down = $10746
TERM CONTRACTED: 60 Mo
APR/LEASE RATE: 2.9%
MONTHLY PAYMENT: $192.85
ANNUAL INCOME: $28,000
DEBT TO INCOME RATIO: None before buying the car
MISCELLANEOUS COMMENTARY: This was my first car loan. I didn't think I would get the lowest possible rate. I called my local CU and they gave me a rate of 2.9%. I told the dealership what they gave me and they matched it with the approving bank. Got a great deal on the car considering that it is a CPO with 100k 10yr powertrain warrenty and 35k left on the bumper to bumper. Fully loaded as well.

Valued Member
blackie1
Posts: 36
Registered: ‎06-26-2012

Re: Auto Loan Approvals!

bsp;
APPROVING BANK:Hyundai finance
BUREAU PULLED:Equifax
CREDIT SCORE:698
CUSTOMER STATE OF RESIDENCE:Kentucky
NEW/USED:New
YEAR OF VEHICLE:2013
MAKE:Hyundai
MODEL:smileyfrustrated:onata
MILEAGE:5
RETAIL/LEASE:Lease
AMOUNT OF LOAN:23195
TERM CONTRACTED:3 year lease
APR/LEASE RATE:top tier
MONTHLY PAYMENT:$199
ANNUAL INCOME:$22,800 NET income
DEBT TO INCOME RATIO 6%
MISCELLANEOUS COMMENTARY:Walked into Hyundai dealership in Richmond Ky and with in an hour drove away with a brand new Hyundai Sonata without spending a

dime, needles to say I was ecstatic!

2fst4u
Valued Member
Jkusa
Posts: 38
Registered: ‎10-15-2012

Re: Auto Loan Approvals!

[ Edited ]

APPROVING BANK:Chase
BUREAU PULLED: TU
CREDIT SCORE: 710
CUSTOMER STATE OF RESIDENCE: NJ
NEW/USED:New
YEAR OF VEHICLE: 2014
MAKE: Jeep
MODEL: Grand Cherokee Limited
MILEAGE: 26
RETAIL/LEASE: Retail
AMOUNT OF LOAN:36580
TERM CONTRACTED: 72 months
APR/LEASE RATE: 4.65
MONTHLY PAYMENT: 585
ANNUAL INCOME: 82.5k
DEBT TO INCOME RATIO: 17
MISCELLANEOUS COMMENTARY: Just refinanced a my 2010 Mazda with Penfed but got the itch for a new car. PenFed wouldnt approve as I had only made one payment on the new refi and they wanted to see a longer history with them. I will try to refi this with them after about 6 months. All this with a BK7 5 years from discharge.BTW on a side note ...the 2014 Jeep grand Cherokees are simply awesome.

src="http://ficoforums.myfico.com/fico/i/custom/FFC_Icon.gif">Starting Score: 652
Current Score: EQ 685 TU 683 EX 699 (their sites FAKO) all as of 03/02/13
Goal Score: 700


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Member
Nadroj6
Posts: 7
Registered: ‎12-13-2009

Re: Auto Loan Approvals!

APPROVING BANK: Penfed
BUREAU PULLED: Experian
CREDIT SCORE: 767
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: Used
YEAR OF VEHICLE: 2009
MAKE: BMW
MODEL: M3
MILEAGE: ~45,000
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $39,750
TERM CONTRACTED: 60
APR/LEASE RATE: 1.74
MONTHLY PAYMENT: $690
ANNUAL INCOME: 84k
MISCELLANEOUS COMMENTARY: Purchased platinum 4 year/48k mile warranty for $5k, $8,500 down. 26 years old, 2nd auto purchase

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