06-16-2012 09:04 AM
I worked with a few clients of mine to finally find a bank to carry paper for me on a decent car.
While all the majors shot down me for not being in bureaus that long, TD Auto Finance gave a no doc approval instantly on a high end car
The guy I deal with specializes in high end cars that are 1 to 3 years old, Bentley's, top end Benz's etc
So TD Auto Finance is carrying paper that no one else will tough, if the car is a premium car
If this info helps u, use it
09-19-2012 08:09 PM
Thanks for the post. My FICO scores are high,. Most times when I purchase, I come with approval already. I did some rate shopping and was approved by everyone I applied to, including my credit union. Silly me did not go there first.
I never buy new cars, but great pre owned. I purchaed a BMW and the place I purchased got me a low interest rate at TD. I could have gotten a lower interest rate with the credit union, it was 2.99% on a used car for 60mths, but they would not go longer. These cars are not cheap and a sista needs as many months as you can give her.
So far so good, they let me pick my payment dates and they are super friendly. I never pay anything late, thank God. I will probably re-fin for a lower interest rate in a year or so.
09-20-2012 03:21 PM
I'm happy with them. I bought a new Jeep Grand Cherokee in May and they came in with the lowest APR.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO