Credit Card Center Advertiser Disclosure

Reply
Member
Posts: 7
Registered: ‎08-14-2014
0 Kudos

Re: Auto Loan Approvals!


APPROVING BANK: Navy Ferderal
BUREAU PULLED: EQ
CREDIT SCORE: 658
CUSTOMER STATE OF RESIDENCE: San Diego CA
NEW/USED: NEW
YEAR OF VEHICLE: 2017
MAKE: HONDA
MODEL: PILOT EX-L 2WD
MILEAGE: 8
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: 35,000
TERM CONTRACTED: 72 MONTHS
APR/LEASE RATE: 2.6
MONTHLY PAYMENT: 525
ANNUAL INCOME: 40,000
DEBT TO INCOME RATIO: 28%

6 months ago finished paying a refinance auto loan with them 11,000 at 6% 44 months. A month ago approved me for a $8,000 personal loan at 10% 25 months.
New Contributor
Posts: 70
Registered: ‎08-29-2017
0 Kudos

Re: Auto Loan Approvals!

😳 wow congrats fam
Member
Posts: 7
Registered: ‎08-14-2014
0 Kudos

Re: Auto Loan Approvals!

Thanks. Was in shock when navy approved me..
It was just a " what the heck lets see what navy approves me for" cause before that PENFED gave me a 10% interest on a 30,000 loan 72 months using the same HP they pulled on me 2 weeks ago for membership. So after that i was just curious to see what navy could give me.
Established Member
Posts: 44
Registered: ‎06-18-2015

Re: Auto Loan Approvals!

APPROVING BANK: PenFed
BUREAU PULLED: Eq
CREDIT SCORE: 632
CUSTOMER STATE OF RESIDENCE: NM
NEW/USED: Used
YEAR OF VEHICLE: 2016
MAKE: Cadillac
MODEL: SRX
MILEAGE: 28k
RETAIL/LEASE: $34k
AMOUNT OF LOAN: $30k
TERM CONTRACTED: 72m
APR/LEASE RATE: 3.99%
MONTHLY PAYMENT: $470
ANNUAL INCOME: ~$95k
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY: I was initially denied and on a whim figured I would send in an email asking for a recon. Came back asking for POI and then it was off to the races.

9/2017 TU:629 EQ:654 Exp:629

New Contributor
Posts: 70
Registered: ‎08-29-2017
0 Kudos

Re: Auto Loan Approvals!

Man these are great posts and numbers !!
New Visitor
Posts: 2
Registered: ‎07-08-2017

Re: Auto Loan Approvals!

APPROVING BANK: Chase
BUREAU PULLED: Transunion
CREDIT SCORE: 668
CUSTOMER STATE OF RESIDENCE: IL
NEW/USED: New
YEAR OF VEHICLE: 2017
MAKE: Mazda
MODEL: Cx-5
MILEAGE: 11
RETAIL/LEASE: $24k
AMOUNT OF LOAN: $30k
TERM CONTRACTED: 75m
APR/LEASE RATE: 9%
MONTHLY PAYMENT: $542 (rolled 4K in neg equity over, gap included
ANNUAL INCOME: ~$45k
DEBT TO INCOME RATIO: 33%
MISCELLANEOUS COMMENTARY: 19months out of chapter 7, first loan had 18% interest rate. Plan to refinance around year mark . Happy with my purchase and second chance.
New Member
Posts: 13
Registered: ‎09-07-2017

Re: Auto Loan Approvals!

APPROVING BANK: Alliant Creot union
BUREAU PULLED: i think it was TU
CREDIT SCORE: 750
CUSTOMER STATE OF RESIDENCE: Wa
NEW/USED: New
YEAR OF VEHICLE: 2017
MAKE: Tesla
MODEL: S 90D
MILEAGE: 0
RETAIL/LEASE: 90,500
AMOUNT OF LOAN: 80,000
TERM CONTRACTED: 75m
APR/LEASE RATE: 0.99
MONTHLY PAYMENT:

Largest auto loan to date! Before that, was a 37,000 auto loan with PenFed so I was shocked!
Member
Posts: 11
Registered: ‎10-08-2014
0 Kudos

Re: Auto Loan Approvals!

Congrats on the Tesla, great vehicle.

 

Hey folks, I'm trying to decide whether or not I want to prequalify for my next car.  I'll need a 60-70k loan on 125k/yr income. 750+ scores across the board with no derogs and low utilization. Think this is likely? Don't want to bother with the inquiries if it's not likely to happen..

CHASE Sapphire Reserve ($29,000) | CHASE Freedom ($22,500) | CHASE Freedom Unlimited ($3300) | CHASE Amazon Rewards ($6000) | CITI Expedia+ ($5800) | LCJ James Allen Card ($3400) | PayPal Extras Mastercard ($6700) | Capital One Quicksilver ($4400) | Jared Store Card ($7600)

Score 03/14/17
EQ: 742 | TU: 749 | EX: 751
Member
Posts: 9
Registered: ‎08-28-2017
0 Kudos

Re: Auto Loan Approvals!

Credit to MarvBear for an excellent idea on another forum; this thread is to be used for your Auto Loan Approvals just copy and paste!

APPROVING BANK: DCU
BUREAU PULLED: EQ
CREDIT SCORE: 743
CUSTOMER STATE OF RESIDENCE:
NEW/USED: CPO
YEAR OF VEHICLE: 2016
MAKE: Volvo
MODEL: XC90
MILEAGE: 20,000
RETAIL/LEASE: 47292 out the door
AMOUNT OF LOAN: 45
TERM CONTRACTED: 65
APR/LEASE RATE: 2.49
MONTHLY PAYMENT: 714
ANNUAL INCOME: 85k
DEBT TO INCOME RATIO: NA
MISCELLANEOUS: low Aaoa 8 months. Good DTI. Asked for 45 before I knew what vehicle approved 2.49% also got VISA 5 k same pull. Upload a few docs and check FedEx next day
New Contributor
Posts: 70
Registered: ‎08-29-2017
0 Kudos

FINALLY GET TO POST MINE!

APPROVING BANK: 3rd Party Dealer
BUREAU PULLED: EXP
CREDIT SCORE: 663
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: Used
YEAR OF VEHICLE: 2017
MAKE: Dodge
MODEL: Charger
MILEAGE: 7,800
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: 21,000
TERM CONTRACTED: 60 mos
APR/LEASE RATE: 8.95%
MONTHLY PAYMENT: Approx $412
MISCELLANEOUS COMMENTARY: Will refinance later. 

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.