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APPROVING BANK: Navy Federal Credit Union
BUREAU PULLED: Equifax, Transunion
CREDIT SCORE: 592, 640
CUSTOMER STATE OF RESIDENCE: Arizona
NEW/USED: Used
YEAR OF VEHICLE: 2009
MAKE: Chevy
MODEL: Malibu
MILEAGE: 52k ~
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 15k
TERM CONTRACTED: 60
APR/LEASE RATE: 5.990
MONTHLY PAYMENT: 289
MISCELLANEOUS COMMENTARY: Great rate from NFCU even with a CO on my credit report
@Anonymous wrote:APPROVING BANK: Ford Motor Credit
BUREAU PULLED: Experian
CREDIT SCORE: Auto-enhanced was 697; FICO was 719
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: New
YEAR OF VEHICLE: 2010MAKE: MercuryMODEL: Mariner
MILEAGE: 200
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 19,292
TERM CONTRACTED: 60 months
APR/LEASE RATE: 0.00%
MONTHLY PAYMENT: $321
MISCELLANEOUS COMMENTARY:I was initially denied by Up2Drive, Capital One and BofA. Approved by RoadLoans for 24.99 (no thanks!), but qualified for 0% from Ford, likely due to a substantial down payment ($4,000). Very happy about 0% interest!
Congratulations!
The only thing sweeter than 0% would be free!
By the way, can you still negotiate a good price on the vehicle with the dealer providing 0%?
@Anonymous wrote:Congratulations!
The only thing sweeter than 0% would be free!
By the way, can you still negotiate a good price on the vehicle with the dealer providing 0%?
Thanks, 06. ;-)
I had access to X-Plan pricing, plus an additional X-Plan rebate of $1,500, PLUS $1,000 trade-in bonus on my 1997 Chevy Cavalier (bought new when I was 24), PLUS I had a $750 'coupon'. Total rebates: $3250 WITH 0%. I didn't want to be a jerk and try to negotiate more after all that. Maybe I could have gotten a better deal, or more for my trade in, but I'm not going to worry about it too much.
@Anonymous wrote:
@Anonymous wrote:Congratulations!
The only thing sweeter than 0% would be free!
By the way, can you still negotiate a good price on the vehicle with the dealer providing 0%?
Thanks, 06. ;-)
I had access to X-Plan pricing, plus an additional X-Plan rebate of $1,500, PLUS $1,000 trade-in bonus on my 1997 Chevy Cavalier (bought new when I was 24), PLUS I had a $750 'coupon'. Total rebates: $3250 WITH 0%. I didn't want to be a jerk and try to negotiate more after all that. Maybe I could have gotten a better deal, or more for my trade in, but I'm not going to worry about it too much.
I'd say you did pretty darned good!
Thanks so much Elitex for your post. I'm very glad to hear that you got approved with Infiniti Financial Services with your credit score. I kept going back and forth between Acura and Infiniti and have decided that I want the 2011 M37 after testing and comparing both. I am waiting until next year this time to build my score up to 700 at least from 629 EQ and I saving $15,000 down. I hope that will help me. I will not settle for less Thanks again and enjoy your G!!!!
It's good to see people are including more important information in the additional comments field. I think the boilerplate copy/paste post should include down payment (if any) as a standard field. Congrats on your loans to those who've posted success.