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Established Contributor
wHiTeSoL
Posts: 1,038
Registered: ‎07-09-2013

Re: Auto Loan Approvals!

APPROVING BANK: DCU
BUREAU PULLED: EQ
CREDIT SCORE: 719
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: USED
YEAR OF VEHICLE: 2013
MAKE: Hyundai
MODEL: Elantra Limited Sedan
MILEAGE:10k
RETAIL/LEASE: RETAIL 
AMOUNT OF LOAN: 22xxx
TERM CONTRACTED: 60 Months
APR/LEASE RATE: 1.99
MONTHLY PAYMENT:385.01
ANNUAL INCOME: 85,000
DEBT TO INCOME RATIO: 
MISCELLANEOUS COMMENTARY:


   3/12 $3500     6/12 $1200      10/12 $1500   12/12 $3400    6/13 $12000      7/13 $5000      7/13 $2500       8/13 $2000    8/13 $6000

  | CSP (AU) $12,000 | Amex PRG (AU) | United $6,000 | OCCU $12,000 | Ink Bold | GM $3,200 | DCU $7500 | Luthansa $9000 | SPG $6,000 | Citi AA Executive $11,000 | Ink Plus $5,000                                                                         | EX 2/7 697 | EQ 10/27 721 | TU 12/15 719 |

Contributor
sekada
Posts: 90
Registered: ‎03-24-2008

Re: Auto Loan Approvals!

Hey, how do you like the new Mazda3? That's what I'm shopping for. :smileyhappy: Congrats!!

New Visitor
Kloeser
Posts: 1
Registered: ‎01-18-2014

Re: Auto Loan Approvals!

APPROVING BANK: Fifth State
BUREAU PULLED: EQ, EX
CREDIT SCORE: 729 on EQ and 637 on EX
CUSTOMER STATE OF RESIDENCE: TX
NEW/USED: NEW
YEAR OF VEHICLE: 2014
MAKE: FORD
MODEL: FOCUS
MILEAGE: 41
RETAIL/LEASE: 18,900
AMOUNT OF LOAN: 23,000
TERM CONTRACTED: 72 mo
APR/LEASE RATE: 4.69%
MONTHLY PAYMENT: $349
ANNUAL INCOME: 47,000
DEBT TO INCOME RATIO: something small, don't know for sure!
MISCELLANEOUS COMMENTARY: SO EXCITED TO FINALLY POST HERE!! Feels like the first huge "grown up" decision I've ever made!!
Established Contributor
RushXTC
Posts: 631
Registered: ‎07-01-2013

Re: Auto Loan Approvals!

APPROVING BANK:  

BUREAU PULLED: Experian/TransUnion
CREDIT SCORE: 667/617
CUSTOMER STATE OF RESIDENCE: California
NEW/USED: Used
YEAR OF VEHICLE: 2013
MAKE: Ford
MODEL: Mustang V6 Convertible Premium
MILEAGE: 21,753
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $19,920.20
TERM CONTRACTED: 72 Months
APR/LEASE RATE: 3.29%
MONTHLY PAYMENT: $305.25
ANNUAL INCOME: $30,000
DEBT TO INCOME RATIO: N/A
MISCELLANEOUS COMMENTARY: I think I did a good job on this one. I love the car!

ManiacGamers.comManiacGamers.comManiacGamers.comManiacGamers.comManiacGamers.comManiacGamers.com****$20,000**********$5,000***********$4,100***********$3,500**********$2,500***********$1,000****
EQ - 688 (10/9/13) | TU - 705 (02/18/14) | EX - 701 (10/9/13) | CS Fako - 717 (10/4/13) | CK Fako - 697 (11/05/13)
New Visitor
dhammett31065
Posts: 1
Registered: ‎01-28-2014

Re: Auto Loan Approvals!

APPROVING BANK: Ford motor company
BUREAU PULLED:Transunion
CREDIT SCORE:600 ( not sure if it was an auto enchanced score or my actual transunion score bc i havent checked my transunion score)
CUSTOMER STATE OF RESIDENCE: PA
NEW/USED: New
YEAR OF VEHICLE:2013
MAKE: Ford
MODEL: Flex SEL
MILEAGE:
RETAIL/LEASE:40,000
AMOUNT OF LOAN:41,000
TERM CONTRACTED:72 months
APR/LEASE RATE:3.9%
MONTHLY PAYMENT:639
ANNUAL INCOME: $78,000 plus bonuses
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY: traded in car. got lots of rebates since it was a left over 2013. plus got Dplan rate on the vechile. didnt think i would get approved. but got  tier 4 and 3.9% plus more rebates thru ford since we financed with ford. have had previous problems with credit score and have been working on improving credit score for the past year and half. so excited to have been approved with such a low interest. and only had to put $1,000 down ( but chose to put money down before applying for the loan)

New Contributor
makeupho
Posts: 54
Registered: ‎02-18-2013

Re: Auto Loan Approvals!


APPROVING BANK: Audi Financial
BUREAU PULLED: TU
CREDIT SCORE: 703 (auto enhanced, i think)
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: new
YEAR OF VEHICLE: 2014
MAKE: Audi
MODEL:
RETAIL/LEASE: purchase
AMOUNT OF LOAN: $70K
TERM CONTRACTED:
APR/LEASE RATE: 4.9
MONTHLY PAYMENT:
ANNUAL INCOME: $175K
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY:  approved 1 week post Ch 13 discharge

Starting 2/16/2013: EQ673 TU667
Current 5/20/2014: EX638 EQ654 TU682
Goal: 750

Take the myFICO Fitness Challenge
Regular Contributor
awal
Posts: 223
Registered: ‎10-25-2010

Re: Auto Loan Approvals!


makeupho wrote:

APPROVING BANK: Audi Financial
BUREAU PULLED: TU
CREDIT SCORE: 703 (auto enhanced, i think)
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: new
YEAR OF VEHICLE: 2014
MAKE: Audi
MODEL:
RETAIL/LEASE: purchase
AMOUNT OF LOAN: $70K
TERM CONTRACTED:
APR/LEASE RATE: 4.9
MONTHLY PAYMENT:
ANNUAL INCOME: $175K
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY:  approved 1 week post Ch 13 discharge

What kind of car did you get? Humor me, I want to live vicariously though you.


Starting Scores: 667 EQ 09/2013 | 682 TU08 01/2014 | 685 EX 03/2013(via AMEX App)
Current Scores: 667 EQ 09/2013 | 681 TU08 07/2014 | 689 EX 06/2014(via AMEX CLI)

AMEX BCE $12.3K | AMEX Zync NPSL | Cap1 Quicksilver MC $3.5K | NFCU Visa Signature cashRewards $20K
NFCU NavChek $15K | Target Visa $5K | Comenity VS $2.2K | Walmart $3.3K
Established Contributor
mAndrew1980
Posts: 707
Registered: ‎08-26-2011

Re: Auto Loan Approvals!

[ Edited ]

I'm buying a 2014 Jeep Cherokee soon. They offer 3.2% for 72 months (approximately $515/per month) with no money down. That is, assuming they accept me for premium financing. Is a best to secure financing from a non-dealership lender before I test drive the car? That way I can barter with the dealership regarding the financing they are offering? 

 

Also does anyone know who Jeep pulls? Not that it matters as my TU and EQ are basically the same.

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



Established Contributor
RushXTC
Posts: 631
Registered: ‎07-01-2013

Re: Auto Loan Approvals!


mAndrew1980 wrote:

I'm buying a 2014 Jeep Cherokee soon. They offer 3.2% for 72 months (approximately $515/per month) with no money down. That is, assuming they accept me for premium financing. Is a best to secure financing from a non-dealership lender before I test drive the car? That way I can barter with the dealership regarding the financing they are offering? 

 

Also does anyone know who Jeep pulls? Not that it matters as my TU and EQ are basically the same.


Chrysler Financial pulled TransUnion for me.

ManiacGamers.comManiacGamers.comManiacGamers.comManiacGamers.comManiacGamers.comManiacGamers.com****$20,000**********$5,000***********$4,100***********$3,500**********$2,500***********$1,000****
EQ - 688 (10/9/13) | TU - 705 (02/18/14) | EX - 701 (10/9/13) | CS Fako - 717 (10/4/13) | CK Fako - 697 (11/05/13)
New Visitor
andrewc2
Posts: 1
Registered: ‎01-30-2014

Re: Auto Loan Approvals!

APPROVING BANK: Pentagon Federal Credit Union (PenFed)
CREDIT SCORE: 776
CUSTOMER STATE OF RESIDENCE: PA

NEW/USED: Used
YEAR OF VEHICLE: 2006
MAKE: Mazda
MODEL: 3i
MILEAGE: 98600
RETAIL/LEASE: Retail $5365
AMOUNT OF LOAN: $3,000
TERM CONTRACTED: 36 months
APR/LEASE RATE: 0.99%
MONTHLY PAYMENT: $84.00


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