Auto Loan Approvals!

[mrmagic9799]

APPROVING BANK:Campus Federal CU
BUREAU PULLED:EQ
CREDIT SCORE:614
CUSTOMER STATE OF RESIDENCE:MS
NEW/USED:Used
YEAR OF VEHICLE:2005

MAKEuzuki

MODEL:GSXR-600
MILEAGE:2555
RETAIL/LEASE:retail
AMOUNT OF LOAN:4000
TERM CONTRACTED:36 mos
APR/LEASE RATE:6.29
MONTHLY PAYMENT:122

ANNUAL INCOME:74K
MISCELLANEOUS COMMENTARY: Really didn't think I'd get approved, started the app online but decided I wanted to speak with someone before I appd.  Gave a few pieces of information and she asked a few questions and was like ok I can pre-approve you for up to $5000!.

[mrmagic9799]

APPROVING BANK:Campus Federal CU
BUREAU PULLED:EQ
CREDIT SCORE:614
CUSTOMER STATE OF RESIDENCE:MS
NEW/USED:Used
YEAR OF VEHICLE:2005

MAKEuzuki

MODEL:GSXR-600
MILEAGE:2555
RETAIL/LEASE:retail
AMOUNT OF LOAN:4000
TERM CONTRACTED:36 mos
APR/LEASE RATE:6.29
MONTHLY PAYMENT:122

ANNUAL INCOME:74K
MISCELLANEOUS COMMENTARY: Really didn't think I'd get approved, started the app online but decided I wanted to speak with someone before I appd.  Gave a few pieces of information and she asked a few questions and was like ok I can pre-approve you for up to $5000!.

[guydiver]

clhchewy81: I was just wondering why you didn't go to a Nissan dealer in the first place?  They would have done the deal up front.  Didn't know Carmax did new vehicles anyway, but they most certainly can't have the same incentives a Nissan dealer would have, and since Carmax has to be buying the car from Nissan or one of their dealers, they have to have a higher bottom line unit cost than the dealer would have I suspect.  Glad things worked out for you, that's a good deal.

[yellowcake]

APPROVING BANK:US BANK
BUREAU PULLED:TRANSUNION
CREDIT SCORE:Myfico: TU 716, Experian 724, Auto-enhanced 729 TU at dealership
CUSTOMER STATE OF RESIDENCE: OH
NEW/USED:USED
YEAR OF VEHICLE:2009

MAKE:HYUNDAI

MODEL:SONATA
MILEAGE:25000
RETAIL/LEASE:Retail
AMOUNT OF LOAN:15k
TERM CONTRACTED:48 month
APR/LEASE RATE:4.89%
MONTHLY PAYMENT:360

ANNUAL INCOME:62k
MISCELLANEOUS COMMENTARY:

[missfortune76]

APPROVING BANK: Hyundai motor finance
BUREAU PULLED: equifax
CREDIT SCORE: 795
CUSTOMER STATE OF RESIDENCE: MD
NEW/USED: new
YEAR OF VEHICLE: 2011

MAKE: hyundai

MODEL: elantra

MILEAGE: 67
RETAIL/LEASE: 21169.00
AMOUNT OF LOAN: 11673.64
TERM CONTRACTED: 48 months
APR/LEASE RATE: 2.9
MONTHLY PAYMENT: 258.18

ANNUAL INCOME: 34,000
MISCELLANEOUS COMMENTARY:

[ficofox]

APPROVING BANK: Kia Motors Finance
BUREAU PULLED: TU
CREDIT SCORE: 703
CUSTOMER STATE OF RESIDENCE: MT
NEW/USED: new
YEAR OF VEHICLE: 2011

MAKE: Kia

MODEL: Soul+

MILEAGE: 35
RETAIL/LEASE: 18500.00
AMOUNT OF LOAN: 16000
TERM CONTRACTED: 60 months
APR/LEASE RATE: 3.9
MONTHLY PAYMENT: 294

[Anonymous]

APPROVING BANK: Capital One Auto Finance
BUREAU PULLED: Equifax
CREDIT SCORE: 545 (Yikes!)
CUSTOMER STATE OF RESIDENCE: Washington State
NEW/USED: Used
YEAR OF VEHICLE: 2007

MAKE: BMW

MODEL: 550i
MILEAGE: 52,000
AMOUNT OF LOAN:$25,900
TERM CONTRACTED: 60 Months
APR/LEASE RATE: 14.29% (Yikes again!)
MONTHLY PAYMENT: $572.70

ANNUAL INCOME: $45,000
MISCELLANEOUS COMMENTARY: 

Having been a financial slacker for the past few years of my adult life (obviously), I was expecting to have a difficult time getting anyone to finance me.  But, now that I'm older and a bit wiser, I've managed to bring my credit score back from the dead.  A year ago at this time, I was a floundering 400.  Ouch.  I have worked to pay off old debts and pay current debts timely.  The pattern of responsibility paid off and I could not be happier with my purchase!

[stema8701]

APPROVING BANK: Chase
BUREAU PULLED: Transunion, Equifax
CREDIT SCORE: 632, 622
CUSTOMER STATE OF RESIDENCE: SD
NEW/USED: Used
YEAR OF VEHICLE: 2008

MAKE: Subaru

MODEL: Legacy 2.5 GT
MILEAGE: 44000
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $14000
TERM CONTRACTED: 60
APR/LEASE RATE: 14
MONTHLY PAYMENT: $390

ANNUAL INCOME: $40000
MISCELLANEOUS COMMENTARY: Had a voluntary repo in 07. I know the interest rate is crazy but am happy i have a reliable car. Hopefully Refi in a year.

[Anonymous]

APPROVING BANK: Toyota Financial
BUREAU PULLED: Transunion
CREDIT SCORE: 691 on myfico(Dealer said 718)
CUSTOMER STATE OF RESIDENCE: CO
NEW/USED: NEW
YEAR OF VEHICLE: 2011

MAKE: TOYOTA

MODEL: CAMRY
MILEAGE: 71
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: $24084
TERM CONTRACTED:60
APR/LEASE RATE: 0%
MONTHLY PAYMENT $401.39

ANNUAL INCOME:47K
MISCELLANEOUS COMMENTARY: Everything went pretty smooth. Had to choose between $1000 cash back or 0% Financing. The car was $21,815, added tax, filing fee,gap,extra warranty etc...came out to $24,084. So I paid about $1300 over MSRP, with everything included....

[MrGrey]

APPROVING BANK: BMW Financial Services
BUREAU PULLED: Trans Union

CREDIT SCORE: 720
CUSTOMER STATE OF RESIDENCE: PA
NEW/USED: CPO
YEAR OF VEHICLE: 2008

MAKE: BMW

MODEL: 335i Convertible
MILEAGE: 44,519
RETAIL/LEASE: 

AMOUNT OF LOAN: $40,287
TERM CONTRACTED: 60 months
APR/LEASE RATE: 2.9%, zero down
MONTHLY PAYMENT: $726.00

ANNUAL INCOME: 73K
MISCELLANEOUS COMMENTARY: Gap Insurance and total wheel protection package included

[Anonymous]

you said that your CS went down afterwards. Do you mean it went down with the inquiry and they went by your original CS or did they go by the hurt CS afterwards to base your loan on?