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Member
JHill
Posts: 7
Registered: ‎04-19-2008
0

Re: Auto Loan Approvals!

APPROVING BANK: SchoolsFirst FCU
BUREAU PULLED: Equifax
CREDIT SCORE: 785
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: NEW
YEAR OF VEHICLE: 2010
MAKE: Jeep
MODEL: Wrangler S
MILEAGE: 0
RETAIL/LEASE:
AMOUNT OF LOAN: 26852
TERM CONTRACTED: 60
APR/LEASE RATE: 3.99
MONTHLY PAYMENT: 393
MISCELLANEOUS COMMENTARY: APR incentive/reduction for 20% or more down payment. Also approved through GMAC for similar terms, but I love my CU...50k preapproval, so I bought two cars. This one and a 2006 Mini Cooper S. :-)

Valued Member
meshamichelle
Posts: 26
Registered: ‎03-24-2010
0

Re: Auto Loan Approvals!

APPROVING BANK: Capital One
BUREAU PULLED: all
CREDIT SCORE: see below
CUSTOMER STATE OF RESIDENCE: Louisiana
NEW/USED: either
YEAR OF VEHICLE:2003-2010
MAKE:
MODEL:
MILEAGE:
RETAIL/LEASE:
AMOUNT OF LOAN: up to $18,000
TERM CONTRACTED: 72mo
APR/LEASE RATE:9.24%
MONTHLY PAYMENT: varies
MISCELLANEOUS COMMENTARY: approved for the Blank check Auto Loan
6/30/2011 TU:648 (quartley) EQ:668 (sw) 7/24/2011 EQ: 672(sw) EX: 682 (fako) 8/26/11 EQ: 685 (sw) TU: 664 (Wal Mart)
9/1/11 TU: 668 (quarterly) 9/16/11 EO: 698 (sw)
9/19/11 TU: 671 (Wal Mart)
10/12/11 EQ: 709 (SW)
Just joined the 700 club!!!
New Visitor
krystels123
Posts: 1
Registered: ‎04-13-2010
0

Re: Auto Loan Approvals!

APPROVING BANK: Capital One Auto
BUREAU PULLED: All three
CREDIT SCORE: EQ 527, EX 549, TR 520 
CUSTOMER STATE OF RESIDENCE:TX
NEW/USED:Used
YEAR OF VEHICLE:2007
MAKE:Mazda
MODEL:CX7
MILEAGE:50k
RETAIL/LEASE:17,999
AMOUNT OF LOAN: 19,450.this is after extended service plan. did not get GAP.
TERM CONTRACTED:72
APR/LEASE RATE:20.25%
MONTHLY PAYMENT:448.18
MISCELLANEOUS COMMENTARY:This interest rate is torture but I got a great car. My goal is to increase my scores 100 points in 12 months. I bought the car from Carmax. Fully intended to re-fi within nine months.
Senior Contributor
O6
Posts: 3,626
Registered: ‎10-13-2009
0

Re: Auto Loan Approvals!

APPROVING BANK: USAA
BUREAU PULLED: Pre-Approved Offer & No Credit Pull
CREDIT SCORE: EX: ?? / EQ: 736 / TU: 748
CUSTOMER STATE OF RESIDENCE: OR
NEW/USED: Used
YEAR OF VEHICLE: 2010
MAKE: BMW
MODEL: X7
MILEAGE: 0
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $50k
TERM CONTRACTED: 60
APR/LEASE RATE: 5.09%
MONTHLY PAYMENT: About $1k
MISCELLANEOUS COMMENTARY: Gotta love USAA!  They just up and send you a bearer check for the loan amount and ask you to give them the VIN after you have the vehicle.  Then they let you transport the auto overseas even though they have a lien on the title.  USAA is the next best thing since sliced bread!
IAALBNYL
Frequent Contributor
charliebrown1370
Posts: 313
Registered: ‎06-26-2009
0

Re: Auto Loan Approvals!


 
APPROVING BANK: MyCom FCU
BUREAU PULLED: EX/EQ
CREDIT SCORE: 681(lender)/676
CUSTOMER STATE OF RESIDENCE: Western Massachusetts
NEW/USED: New
YEAR OF VEHICLE: 2009
MAKE: Honda
MODEL: VT750C2 motorcycle
MILEAGE: 2
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $6300.00
TERM CONTRACTED: 60 mos
APR/LEASE RATE: 9.49
MONTHLY PAYMENT: $141
MISCELLANEOUS COMMENTARY: 0% down. Payment includes gap insurance. APR is pretty much standard for this area on a motorcycle/RV purchase.


CB


Starting Score: EQ 618 TU 585
Current Score: EQ 680 TU 698 EX 681 (lender pull 04/2010)
Goal Score: EQ 720 TU 720


Take the FICO Fitness Challenge
Established Member
sheltrpn
Posts: 18
Registered: ‎10-25-2007
0

Re: Auto Loan Approvals!

APPROVING BANK:  American Honda Finace
BUREAU PULLED:  Transunion
CREDIT SCORE: 640
CUSTOMER STATE OF RESIDENCE:  Pennsylvania
NEW/USED: New
YEAR OF VEHICLE:  2010
MAKE:  Honda
MODEL:  Accord EX
MILEAGE:  57
RETAIL/LEASE:  Retail
AMOUNT OF LOAN:  22,300
TERM CONTRACTED:  60 months
APR/LEASE RATE:  3.9%
MONTHLY PAYMENT:  $395.00
MISCELLANEOUS COMMENTARY:  The price includes some extras I added such as sunroof visor, mud flaps and wheel locks.  Got the car for $1,800 under invoice and NEVER thought they would get me approved through Honda. 

Schoolbuskid wrote:
This thread is to be used for your Auto Loan Approvals just copy and paste!
 
APPROVING BANK:
BUREAU PULLED:
CREDIT SCORE:
CUSTOMER STATE OF RESIDENCE:
NEW/USED:
YEAR OF VEHICLE:
MAKE:
MODEL:
MILEAGE:
RETAIL/LEASE:
AMOUNT OF LOAN:
TERM CONTRACTED:
APR/LEASE RATE:
MONTHLY PAYMENT:
MISCELLANEOUS COMMENTARY:




Message Edited by Schoolbuskid on 05-31-2008 09:46 AM
New Contributor
stagefoursurvivor
Posts: 62
Registered: ‎01-18-2010
0

Re: Auto Loan Approvals!

sheltrpn,

 

That's a great deal, congrats! Is your 640 TU score FICO or FAKO?

Valued Member
tacaza
Posts: 45
Registered: ‎03-26-2010
0

Re: Auto Loan Approvals!

APPROVING BANK: PNC Bank
BUREAU PULLED: Exp
CREDIT SCORE: 742
CUSTOMER STATE OF RESIDENCE: PA
NEW/USED: Used
YEAR OF VEHICLE: 2006
MAKE: Acura
MODEL: RL 3.5 W/ Nav
MILEAGE: 66k
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 19000
TERM CONTRACTED: 60 months
APR/LEASE RATE: 5.6
MONTHLY PAYMENT: 370
MISCELLANEOUS COMMENTARY: Other banks kept on turning me down because of my "insufficient credit history". PNC instantly approved me for 17k. Asked them to raise to 19k and they OK. Well, I can't be more happy with the rate. Planning on paying of the loan in 3 years. It's always a pain in the ass for first time buyer to apply for a loan. 



New Contributor
stagefoursurvivor
Posts: 62
Registered: ‎01-18-2010
0

Re: Auto Loan Approvals!

Did you apply with Honda/Acura credit? Nice wheels, I'm looking at the 2010 RL

Valued Member
tacaza
Posts: 45
Registered: ‎03-26-2010
0

Re: Auto Loan Approvals!

Yeah, I did. They denied me right the way. I think they want you to have at least 4 years of credit history. Mine is not even close to 3. 


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