cancel
Showing results for 
Search instead for 
Did you mean: 

BOA Approval w/ best rate?

Contributor

BOA Approval w/ best rate?

Is it hard to get BoA's low APR (2.39% for 72  months)? It's lower than any company I've seen. My Walmart FICO is 770




Starting Score: 583 (CreditKarma, 2009)
Current Score: 783 (Walmart Free FICO, March 20, 2012), 774 (Equifax, BoA Pull, 2/20/13)
Goal Score: 800+


Take the FICO Fitness Challenge
Message 1 of 4
3 REPLIES
Moderator

Re: BOA Approval w/ best rate?


BlueHusky wrote:

Is it hard to get BoA's low APR (2.39% for 72  months)? It's lower than any company I've seen. My Walmart FICO is 770


For you probably not assuming you have an auto loan on your record now; first time buyer auto-enhanced may drop you a non-trivial amount out of whatever their tier 1 category is, but I don't think you'll have an issue.  It's only .1% different than DCU though which is much easier than BOFA as far as auto lending is concerned anecdotally.

 

Good find on the rate, thanks.

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


Take the myFICO Fitness Challenge
Message 2 of 4
Frequent Contributor

Re: BOA Approval w/ best rate?

Walmart??

Message 3 of 4
Contributor

Re: BOA Approval w/ best rate?

Transunion...provided by Walmart CC.

 

Ended up getting a BoA pull from Equifax of 774 - approved for the 2.09% for 72 months!




Starting Score: 583 (CreditKarma, 2009)
Current Score: 783 (Walmart Free FICO, March 20, 2012), 774 (Equifax, BoA Pull, 2/20/13)
Goal Score: 800+


Take the FICO Fitness Challenge
Message 4 of 4