Auto Loan Approvals!

[k_dub01]

APPROVING BANK:Toyota Financial Services
BUREAU PULLED:not sure
CREDIT SCORE:612, carrying balances atm...
CUSTOMER STATE OF RESIDENCE:TX
NEW/USED:Certified Pre-Owned
YEAR OF VEHICLE:2014

MAKE: TOYOTA 
MODEL:Camry
MILEAGE:20,853
RETAIL/LEASE:Retail
AMOUNT OF LOAN:$31,044....incl. gap, 100k warranty
TERM CONTRACTED:72 Months
APR/LEASE RATE:6.25%
MONTHLY PAYMENT:519
ANNUAL INCOME:$40,000 

MISC: Rolled in some negative equity on a 2010 Camry. May refinance when the opportunity presents itself

[lvallejox]

APPROVING BANK: DCU
BUREAU PULLED: EQ
CREDIT SCORE:698
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: USED
YEAR OF VEHICLE: 2011
MAKE: JEEP
MODEL: Wrangler Unlimited
MILEAGE: 47500
RETAIL/LEASE: 
AMOUNT OF LOAN: $23200
TERM CONTRACTED: 60months
APR/LEASE RATE: 1.99%
MONTHLY PAYMENT: $406
ANNUAL INCOME: $31500
DEBT TO INCOME RATIO: 3%
MISCELLANEOUS COMMENTARY: Refinance from 8.5% - 72 months to 1.99% -  60months. They also threw in a DCU Visa with no hard pull at 11.5%apr!

[Anonymous]

APPROVING BANK: NFCU
BUREAU PULLED: EQ
CREDIT SCORE:626
CUSTOMER STATE OF RESIDENCE: DC
NEW/USED: USED
YEAR OF VEHICLE: 2013
MAKE: Chevy
MODEL: Camaro 2LT
MILEAGE: 23,680
RETAIL/LEASE: Purchase
AMOUNT OF LOAN: $30,000 ( only used 24,700)
TERM CONTRACTED: 60months
APR/LEASE RATE: 7.39
MONTHLY PAYMENT: $493
ANNUAL INCOME: $50,000
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY: Got the car for $24,700 OTD - Plan to refinance in a few months after on time payments boost my score.  Sucks NFCU doesnt refi their own loans (so I've heard)

[Anonymous]

 APPROVING BANK: Wells Fargo Dealer Services
BUREAU PULLED: Transunion
CREDIT SCORE: 625
CUSTOMER STATE OF RESIDENCE: FL
NEW/USED: NEW
YEAR OF VEHICLE: 2013
MAKE: TOYOTA
MODEL: PRUIS V 
MILEAGE: 71
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: $34,041
TERM CONTRACTED: 72
APR/LEASE RATE: 6.55%
MONTHLY PAYMENT: $578
ANNUAL INCOME: $56,000
DEBT TO INCOME RATIO: 32%
MISCELLANEOUS COMMENTARY: I was freaked out just going into the dealership.     I just had a Chapter 7 Bankruptcy discharged and my prior car was taken as part of the bankruptcy.   I thought I was going to be laughed out of the dealership.    They were courteous and I would have been happy with a 12% interest rate.    They returned with Wells Fargo Dealer Services and an interest rate 6.55%.    I know it may be high,  but I was expecting a far higher interest rate.   They asked me about putting money down and I said "No".    They worked with the finance company and I guess Wells accepted it.    Have had the car since July 2013 and never missed a payment.    Doubling up on payments this month (December) to be ahead.        I just saw this and thought it was important to state that it was scary for me,  but you can still buy a car after bankruptcy.  It may not be the best interest rate,  but it is possible.    

[TATATA]

APPROVING BANK: PSECU
BUREAU PULLED: EX
CREDIT SCORE:660
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: USED
YEAR OF VEHICLE: 
MAKE: HONDA 
MODEL: PILOT
MILEAGE: 
RETAIL/LEASE: REFINANCE
AMOUNT OF LOAN: $8,000
TERM CONTRACTED: 60months
APR/LEASE RATE: 2.49%
MONTHLY PAYMENT: $141.00
ANNUAL INCOME: 
DEBT TO INCOME RATIO: 
MISCELLANEOUS COMMENTARY: Refinance from LAFCU.

APPROVING BANK: PSECU
BUREAU PULLED: EX
CREDIT SCORE:660
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: USED
YEAR OF VEHICLE: 
MAKE: LEXUS 
MODEL: IS350
MILEAGE: 
RETAIL/LEASE: REFINANCE
AMOUNT OF LOAN: $13,000
TERM CONTRACTED: 72 months
APR/LEASE RATE: 2.99%
MONTHLY PAYMENT: $197.00
ANNUAL INCOME: 
DEBT TO INCOME RATIO: 
MISCELLANEOUS COMMENTARY: Refinance from LAFCU.

[Anonymous]

APPROVING BANK: GM Financial
BUREAU PULLED: EXPERIAN

CREDIT SCORE: 698&694 (My and my wife)
CUSTOMER STATE OF RESIDENCE: TX
NEW/USED: NEW
YEAR OF VEHICLE:2015
MAKE: BMW
MODEL:X5
MILEAGE: 8
RETAIL/LEASE: Retail
AMOUNT OF LOAN:$43200
TERM CONTRACTED:72 Months
APR/LEASE RATE: 5%
MONTHLY PAYMENT:600.00
ANNUAL INCOME:$24000+$16000+$40000(other income)

MISCELLANEOUS COMMENTARY: in the first place, I had a hard time to find a lender because I ask more than 50K and income is too low, denied by 7 CU&BK. Then I ask less and put more money down, I got my car. Very satisfied on the rate.

[sam818]

@Tremuzik410 I'm curious: Which bureau did MB Finance pull, what was your score with them and was it auto enhanced?

ALSO: for both CapOne and MB Finance what documentation did you have to provide... income etc?

[Anonymous]

APPROVING BANK:  BMW Financial Services

BUREAU PULLED:  Tranunion

CREDIT SCORE: (Fico) 684

CUSTOMER STATE:  Floirda

NEW!!!

YEAR OF VEHICLE:  2014

MAKE:  BMW

MODEL:  X3 Series 35iDrive (fully loaded)

MILEAGE: 8

LEASE

AMOUNT OF LOAN:  53,000.00

TERM CONTRACTED:  6 months to 5 years (BMW select lease)

LEASE RATE:  3.9

MONTHLY PAYMENT: 671.00

DEBT TO INCOME:  my mtg & car just hit the desired mark

MISCELLANEOUS COMMNENTARY:  I took this lease out before I paid off all of my cc's.  Thus the lower fico score.  And also wanted to mention that I had taken out a much smaller auto loan (20k) before this to establish that I can pay on time payments.  That was for 2 1/2 yrs.

[Anonymous]

APPROVING BANK: LightStream
BUREAU PULLED: EQ
CREDIT SCORE: 724
CUSTOMER STATE OF RESIDENCE: Pennsylvania
NEW/USED: Used
YEAR OF VEHICLE: 2013
MAKE: Ford
MODEL: E250 Cargo Van
MILEAGE: 13,255
RETAIL/LEASE: $19,485
AMOUNT OF LOAN: 22,000
TERM CONTRACTED: 60mo.
APR/LEASE RATE: 2.39%
MONTHLY PAYMENT: 387.11
ANNUAL INCOME: 47k
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY: Was initially turned down because of Equifax credit report, not long enough and no installment loans. eMailed them back to have them pull my other CR's and within 10 minutes had a phone call, answered a few questions and was given the loan. Money wired to my bank the next day. My bank that I've dealt with for 25yrs only reports to Experian

[sebonne1]

Tremuzik410, congrats on the rate!  Am orderng a CLA250 on Tuesday - no sport package with pano roof to be found anywhere!