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APPROVING BANK: Ally Financial
BUREAU PULLED: Transunion.
CREDIT SCORE: EX: 590, TU: 637, EQ: 598
CUSTOMER STATE OF RESIDENCE: GA
NEW/USED: New
YEAR OF VEHICLE: 2014
MAKE: Nissan
MODEL: Altima S
MILEAGE: 7 miles
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $16,675
TERM CONTRACTED: 72
APR/LEASE RATE: 7.10%
MONTHLY PAYMENT: Approx $285.
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY: Put $4500 down. This is my wifes car purchase.
NMAC LEASE
CAR: 2014 NISSAN MAXIMA SV W/Sport Package
MSRP: $40,527
Purchase price: $37,001
Trade-in value: They gave me $500 over KBB trade-in value (about $1,500 over blackbook)
MF: 0.00123
Monthly payment: $435 including taxes x 39 months
Money I gave them for anything: $0 (I rolled everything into the payment)
Other stipulations: They make the first 2 months of payments
How did I do?
APPROVING BANK: DCU
BUREAU PULLED: Equifax
CREDIT SCORE: 698
CUSTOMER STATE OF RESIDENCE: TX
NEW/USED: Used
YEAR OF VEHICLE: 2010
MAKE: Lexus
MODEL: ES 350 ultra luxury(certified pre own up to 100miles/3 years)
MILEAGE: 41000
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 35000
TERM CONTRACTED:72
APR/LEASE RATE: 1.74
MONTHLY PAYMENT:497
ANNUAL INCOME:85000
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY:I was instantly approved but was told yo obtain a membership before I could close. They requested my last paystub, driver license and utility bill. I initially wanted to get a 2009 lexus LS 460, but change my mine because there was no warranty. Approved for $35000, but only used $34000.
Message Edited by Schoolbuskid on 05-31-2008 09:46 AM
APPROVING BANK: Mazda Financial (?)
BUREAU PULLED: Experian
CREDIT SCORE: 803
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: New
YEAR OF VEHICLE: 2015
MAKE: Mazda
MODEL: Mazda6
MILEAGE: 8
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: 19.7K
TERM CONTRACTED: 5 years
APR/LEASE RATE: 1.9
MONTHLY PAYMENT: 345
ANNUAL INCOME: 55K
DEBT TO INCOME RATIO: N/A
MISCELLANEOUS COMMENTARY: Brought a 2015 Mazda6 i Touring for 2k under invoice.
APPROVING BANK: Fifth Third
BUREAU PULLED: Experian 647, Equifax 641 (got it from the denied letter)
CREDIT SCORE: ???
CUSTOMER STATE OF RESIDENCE: NC
NEW/USED: New
YEAR OF VEHICLE: 2014
MAKE: Jeep
MODEL: Patriot
MILEAGE: 10
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $18,338
TERM CONTRACTED: 75 months
APR/LEASE RATE: 4.54%
MONTHLY PAYMENT: $276
ANNUAL INCOME: $24K (the vehicle is in my name only)
Combined income is $48K
DEBT TO INCOME RATIO: ? Not sure, but not great.
MISCELLANEOUS COMMENTARY: trade-in the old Camry for $550 and used it as down payment.
Need a new car because we put in 1000 miles a week.
APPROVING BANK: BB&T
BUREAU PULLED: EQ
CREDIT SCORE: 789 (Auto Enhanced score provided by dealer)
CUSTOMER STATE OF RESIDENCE: FL
NEW/USED: New
YEAR OF VEHICLE: 2014
MAKE: Audi
MODEL: A4
MILEAGE: 0
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 34,500
TERM CONTRACTED: 75 months
APR/LEASE RATE: 3.4
MONTHLY PAYMENT: 515
ANNUAL INCOME: 120k
DEBT TO INCOME RATIO: 15%
MISCELLANEOUS COMMENTARY: Had just over $7k in equity on a 2011 Hyundai Sonata SE that was used towards down payment. A4 has S line, Nav and Cold weather packages. MSRP was $40k. Also added the Audi Maintenance/Care plan.
APPROVING BANK: BrandAuto Finance
BUREAU PULLED: EQ
CREDIT SCORE: 603 I believe Auto Enhanced...my FICO is 598
CUSTOMER STATE OF RESIDENCE: GA
NEW/USED: Used
YEAR OF VEHICLE: 2011
MAKE: BMW
MODEL: X5
MILEAGE: 42,323
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 31,762 put 5k down bought extended warranty also
TERM CONTRACTED: 72 months
APR/LEASE RATE: 7.6
MONTHLY PAYMENT: 546
ANNUAL INCOME: 68K
DEBT TO INCOME RATIO: 9%
MISCELLANEOUS COMMENTARY: I was approved by CapitalOne for 7.9% , NFCU 13% and i tried PNC but was declined...the dealer worked hard to beat CapitalOne. My Credit Score went way down due to 2 missed payments on Student Loans for 10 different accounts..I will try to refinance after better payment history in about a year.
Not that bad of a rate for your scores; which are close to mine. I'm curious, what part of GA? I'm in Atlanta. I'm looking to purchase a Buick Regal within the next year myself. Were you required to put the 5k down on to get the financing?
@Sedanbmw wrote:APPROVING BANK: BrandAuto Finance
BUREAU PULLED: EQ
CREDIT SCORE: 603 I believe Auto Enhanced...my FICO is 598
CUSTOMER STATE OF RESIDENCE: GA
NEW/USED: Used
YEAR OF VEHICLE: 2011
MAKE: BMW
MODEL: X5
MILEAGE: 42,323
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 31,762 put 5k down bought extended warranty also
TERM CONTRACTED: 72 months
APR/LEASE RATE: 7.6
MONTHLY PAYMENT: 546
ANNUAL INCOME: 68K
DEBT TO INCOME RATIO: 9%
MISCELLANEOUS COMMENTARY: I was approved by CapitalOne for 7.9% , NFCU 13% and i tried PNC but was declined...the dealer worked hard to beat CapitalOne. My Credit Score went way down due to 2 missed payments on Student Loans for 10 different accounts..I will try to refinance after better payment history in about a year.