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Weird Auto Loan Question

New Member

Re: Weird Auto Loan Question

well, it has been 2 days, what's the verdict? did you apply? what credit report did they pull?


Starting Score: 695
Current Score: 768
Goal Score: 775

Wallet: AAdvantage Citibank, Discover, Capital One
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Message 11 of 18
Member

Re: Weird Auto Loan Question

Sorry for the suspense, lol

 

Yes, I was approved just 10 minutes ago for the $5,000 @ 3.19%; and I must say that the loan process was pleasantly painless. The only documentation that they required was a paystub, which was understandable. They are very fast (and nice,)  and everything is automated. You also pick your own autopay date, and you can change the terms a few weeks before the payments start in case you need more money. The best part is my payments actually dont start until June, which gives me ample time to get my crap box for work. Smiley Happy

 

As for the credit bureau, I'm waiting for them to respond and I'll report back as soon as they do.

 

 

Wallet: Chase Freedom | Citi Diamond Preferred | Capital One Platinum
Message 12 of 18
New Member

Re: Weird Auto Loan Question

was 3.19 the lowest rate? i would hope so since you have a 760,, appreciate your response, I am considering applying for a Home Improvement loan with them.


Starting Score: 695
Current Score: 768
Goal Score: 775

Wallet: AAdvantage Citibank, Discover, Capital One
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Message 13 of 18
Member

Re: Weird Auto Loan Question

For the loan amount that I was applying for 3.19% is the lowest. If you were to take between $10,000 and $25,000 the APR is 2.19%.

 

(Still no word on the CBs theypull from... I'll send another email this evening.)

Wallet: Chase Freedom | Citi Diamond Preferred | Capital One Platinum
Message 14 of 18
New Member

Re: Weird Auto Loan Question

what about the credit report pull? which one(s)?


Starting Score: 695
Current Score: 768
Goal Score: 775

Wallet: AAdvantage Citibank, Discover, Capital One
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Message 15 of 18
Valued Contributor

Re: Weird Auto Loan Question

Given they are a division of SunTrust, if I had to quess, I'd say EQ. But no guarantees, just a hunch.

For an urgent question Monday thru Fridays, feel free to email me directly remembermyfico //at// gmail /dot/ com if you need a response in 24 hours.
Message 16 of 18
New Member

Re: Weird Auto Loan Question

Yeah, I am getting ready to apply for a Home Improvement Loan with them, I can't find a better rate anywhere else


Starting Score: 695
Current Score: 768
Goal Score: 775

Wallet: AAdvantage Citibank, Discover, Capital One
Take the FICO Fitness Challenge
Message 17 of 18
Frequent Contributor

Re: Weird Auto Loan Question

They pull Equifax and Experian- hard pull for both.

 

From what I was told, they will not pull TU.

Message 18 of 18