Auto Loan Approvals!

[Epcot]

APPROVING BANK: Ford Motor Credit
BUREAU PULLED: EX
CREDIT SCORE: 740
CUSTOMER STATE OF RESIDENCE: FL
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Ford
MODEL: F-150 XLT Supercrew
MILEAGE: 0
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 29,000
TERM CONTRACTED: 72 months
APR/LEASE RATE: 6.5
MONTHLY PAYMENT: 490
ANNUAL INCOME: 120k
DEBT TO INCOME RATIO: 15%
MISCELLANEOUS COMMENTARY: Very happy with my new truck. Got it with the 5.0L V8, 302A package and 3.55 rear locking gears, extended warranty, tire/wheel protection and 4 years worth of general maintenance. Got 9,500 in rebates and 10,000 for my trade in. 3,500 worth of rebates was by financing with Ford, will refinance in 90 days.  

[Hoya08]

APPROVING BANK: PenFED

BUREAU PULLED: ???
CREDIT SCORE: CK FAKO 772/ Quizzle FAKO 776/ CS FAKO 815
CUSTOMER STATE OF RESIDENCE: VA
NEW/USED: New
YEAR OF VEHICLE: 2014
MAKE: Audi
MODEL: A4 Prestige
MILEAGE: 0
RETAIL/LEASE: Retail
AMOUNT OF LOAN: approved 44,000 (will only use around 42,000)
TERM CONTRACTED: 60 months
APR/LEASE RATE: 1.99
MONTHLY PAYMENT: 571 (Payment Saver Plan, and will decrease to reflect actual loan disbursement amount)
ANNUAL INCOME: currently well over 6-figures due to 'OT'
DEBT TO INCOME RATIO: currently < 1%, but base is 30%
MISCELLANEOUS COMMENTARY: Audi is currently approx $300 over invoice, but potentially $700 under invoice; waiting on final "negotiation" numbers.  This is also a a non-traditional type of finance; thus it's not for everyone.  But we're more than happy since it works with our financial situation

[Shogun]

Bought my son a car to go off to college.

APPROVING BANK: BOA

BUREAU PULLED: EX
CREDIT SCORE: 806
CUSTOMER STATE OF RESIDENCE: OK
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Chevrolet
MODEL: Sonic LTX
MILEAGE: 0
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 18000
TERM CONTRACTED: 60 months
APR/LEASE RATE: 1.74
MONTHLY PAYMENT: 288
ANNUAL INCOME: Let's just say 6 figures +
DEBT TO INCOME RATIO: 
MISCELLANEOUS COMMENTARY:   Told the finance guy my CU offered 1.9% and I didn't think he could beat that, but he did.

[ggroller]

APPROVING BANK: LGE CCU

BUREAU PULLED: Equifax

CREDIT SCORE: 623

CUSTOMER STATE OF RESIDENCE: GA

NEW/USED: Used, Certified pre-owned (CPO)

YEAR OF VEHICLE: 2010

MAKE: Honda MODEL: Insight EX

MILEAGE: 28000

RETAIL/LEASE: Retail

AMOUNT OF LOAN: 16700

TERM CONTRACTED: 60 months

APR/LEASE RATE: 12.74

MONTHLY PAYMENT: 380

ANNUAL INCOME: 110k

DEBT TO INCOME RATIO: 10%

MISCELLANEOUS COMMENTARY: Fresh out of 5 years of chapter 13 bk, which was discharged in May of 2013. Second auto loan since bk. Some banks declined me, Capital One offered 16.9% APR, but finance manager in local Honda dealership was able to find financing from a local CU for less, at 12.74%. I wasn't a member there before, but now got automatic membership through this car loan. I do plan to pay off both car loans much quicker and will likely refinance at lower APR in 12-14 months as my credit improves.

[onmyway2day]

APPROVING BANK: Wells Fargo Dealer Services

BUREAU PULLED: EX
CREDIT SCORE: 623 FICO (not sure what they pulled for Auto FICO, but it would be higher)
CUSTOMER STATE OF RESIDENCE: AZ
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Chevy
MODEL: Traverse 2LT

MILEAGE: 18
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 38,400 (sticker price was $43,090)

TERM CONTRACTED: 60 months
APR/LEASE RATE: 0%!!!
MONTHLY PAYMENT: 640
ANNUAL INCOME: 88k
DEBT TO INCOME RATIO: not sure
MISCELLANEOUS COMMENTARY: Got 0% approval from WFDS only 4 months after my BK7 was discharged! Still on cloud 9 :-)

[kyp275]

APPROVING BANK: NFCU

BUREAU PULLED: Unknown
CREDIT SCORE: 716 EQ, 712 EX, 798 TU
CUSTOMER STATE OF RESIDENCE: MI
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Ford
MODEL: Focus ST

MILEAGE: 70
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 26650

TERM CONTRACTED: 60 months
APR/LEASE RATE: 1.79%
MONTHLY PAYMENT: 460
ANNUAL INCOME: 47k
DEBT TO INCOME RATIO: was zero
MISCELLANEOUS COMMENTARY: Love the car, fully loaded ST3 package with moonroof

[rich092201]

Approving bank: ALLY
fico: 561
Bureau pulled: TU
STATE: NY
MAKE: CHEVROLET
MODEL: MALIBU
NEW 2013
MILES 0
APR: 8.9
TERM: 72
PYMT $481
MONEY DOWN $0

SUBVENTED RATE IN LIEU OF REBATES, ROLLED IN $4800 FROM REGIONAL ACCEPTANCE LOAN

[rich092201]

Amount of loan 26000

[Poozie121]

APPROVING BANK: capital one auto
BUREAU PULLED: all 3
CREDIT SCORE: 640
CUSTOMER STATE OF RESIDENCE: MN
NEW/USED: Used
YEAR OF VEHICLE: 2010
MAKE: Honda
MODEL: civic
MILEAGE: 36,056
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 7800
TERM CONTRACTED: 34 Months
APR/LEASE RATE: 3.59%
MONTHLY PAYMENT: 246
MISCELLANEOUS COMMENTARY: refi ....

[larrywoods0382]

APPROVING BANK:USAA Federal Savings Union BUREAU PULLED: Equifax CREDIT SCORE: 608 CUSTOMER STATE OF RESIDENCE: Georgia NEW/USED: Used YEAR OF VEHICLE: 2011 MAKE: Mercedes-Benz MODEL: MILEAGE: E350 4matic RETAIL/LEASE: Retail AMOUNT OF LOAN: 21,000 TERM CONTRACTED:48 months APR/LEASE RATE:8.6% MONTHLY PAYMENT:410 ANNUAL INCOME:180,000 DEBT TO INCOME RATIO: MISCELLANEOUS COMMENTARY: I just completed my chapter 13 in addition to a divorce where I pretty much gave up everything just to get out of the marriage..Had a pre approval with roadloans but the interest rate gave me pause, I applied to USAA about 2 weeks ago and they declined me so I wrote a recon E-mail, the next day they told me to reapply and I got the loan!!!! I'm so damn excited right now.