Re: Auto Loan Approvals!

apandabear · ‎03-15-2012

APPROVING BANK: Wells Fargo Dealer Services
BUREAU PULLED: EQ
CREDIT SCORE: 655 (Dealer pulled)
CUSTOMER STATE OF RESIDENCE: North Carolina
NEW/USED: New
YEAR OF VEHICLE: 2012

MAKE: Toyota

MODEL: Prius c 3
MILEAGE: 55
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $18,500
TERM CONTRACTED: 72 months
APR/LEASE RATE: 8.99%
MONTHLY PAYMENT: $327

ANNUAL INCOME: $52k
MISCELLANEOUS COMMENTARY: Prior repossession in 2010 (American Honda Finance). Was nervous about financing, but got in under 10% ... I am very happy with that. Put down $7,000 in cash.

USAA also approved me... at 15%. hah.

Not currently watching my FICO or FAKO scores
Nov 2012 FICO - EQ 646 (myFICO SW), 655 (Lender Pull)

Left the garden in Nov 2012 to buy a Prius c and a new living room set!
Back in the garden until it's time to buy a house... 2014?

VIII · ‎11-12-2012

Congrats

4us- · ‎08-06-2012

APPROVING BANK: Americredit

BUREAU PULLED: TU

CREDIT SCORE: 599

CUSTOMER STATE OF RESIDENCE: CO

NEW/USED: Used

YEAR OF VEHICLE: 2009

MAKE: Subaru

MODEL: Forester LL Bean Edition/Limited

MILEAGE:44K

AMOUNT OF LOAN: 21K

TERM CONTRACTED: 72m

APR/LEASE RATE: 14.9

MONTHLY PAYMENT: 430

ANNUAL INCOME:

MISCELLANEOUS COMMENTARY: Can't wait to refinance this loan. I totally love the car though! I was nervous about pulling the trigger, but I had to. Did I mention that I love the car???

BK Filed 7/1/12 --- EX: 494 EQ: 505 TU: 505
10/12 EX: 599 EQ: 599 TU: 599

BK Discharge 10/23/12
Cap1 $3000 (AU) / NFCU Visa $500

GOAL #1: 660

dallascowboyfan · ‎06-09-2009

Congratulations........

Cadillac-XTS · ‎08-20-2012

+1

Rhaeny · ‎07-24-2011

APPROVING BANK: GM Financial
BUREAU PULLED: Transunion
CREDIT SCORE: 751
CUSTOMER STATE OF RESIDENCE: Michigan
NEW/USED: New
YEAR OF VEHICLE: 2013

MAKE: GMC

MODEL: Terrain
MILEAGE: 5
RETAIL/LEASE: Lease
AMOUNT OF LOAN: 14,688 is the amount paid over 36 months
TERM CONTRACTED: 36
APR/LEASE RATE:
MONTHLY PAYMENT: 408

ANNUAL INCOME: 90K
MISCELLANEOUS COMMENTARY: I was discharged from a 5 year chp13 bk on 11/5/12 and was approved for the lease on 11/9/12. Ally declined and they moved it to GM Financial. At delivery, I paid the 1st month's payment and whatever other fees....total was approx $550.

Starting Scores: EX 722 (USAA), TU 637 (Walmart), EQ 706 (myFico)
April Scores: EX 722 (USAA), TU 669 (Walmart), EQ 705 (DCU)
Goal Scores: 750 across the board
Emergency gardening mode~~Last app: 4/8/2013

kese · ‎07-09-2012

APPROVING BANK: Toyota Financial
BUREAU PULLED: Trans Union
CREDIT SCORE: 719 Dealer pulled- i will assume its Auto enhanced
CUSTOMER STATE OF RESIDENCE: IL
NEW/USED: New
YEAR OF VEHICLE: 2013

MAKE: Toyota

MODEL: Highlander
MILEAGE:
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $29250
TERM CONTRACTED: 60 months
APR/LEASE RATE: 0%
MONTHLY PAYMENT: $488

ANNUAL INCOME: $
MISCELLANEOUS COMMENTARY: Prior charge of but TransUnion had me @702 from myfico. This is my first auto finance.

Starting Score: 598
Current Score: Trans union fico 713 (myfico 11/1/2012), EQ fico 671, exp 666 by AMEX
Goal Score: 720 across
In my wallet: GE/walmart at $10500, 2 capital ones at $750 each, Elan financial at $400, Amex BCP-$1000, AMEX Gold Delta at $2500, Discover more at $6,000 and Chase freedom at $3000

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PRC · ‎04-16-2012

APPROVING BANK: Coastal Federal Credit Union

BUREAU PULLED: None A1 customer with them and recently opened a new CC

CREDIT SCORE: On EQ shows 621

CUSTOMER STATE OF RESIDENCE: Texas

NEW/USED: New

YEAR OF VEHICLE: 2013

MAKE: Nissan

MODEL: Rogue

MILEAGE: 55 when I drove off the lot

RETAIL/LEASE: Retail

AMOUNT OF LOAN: $28427.00

TERM CONTRACTED: 72 months

APR/LEASE RATE: 2.29%

MONTHLY PAYMENT: $437

ANNUAL INCOME: Combined $125,000

MISCELLANEOUS COMMENTARY: I first tried through Honda Auto Financing for a CRV, they wanted 6k down w/0.99% APR... Said no thanks just bought a house and did not want to clean out the rest of my savings... Went through my CU for a slightly higher APR but no money down and the car was 2k cheaper fully loaded..

beb86 · ‎10-31-2011

Juancho1790 wrote:
APPROVING BANK:Ally
BUREAU PULLED:EQ
CREDIT SCORE:682 & 649
CUSTOMER STATE OF RESIDENCE: Florida
NEW/USED: NEW
YEAR OF VEHICLE:2013
MAKE: Jeep
MODEL: Grand CHEROKEE LIMITED
MILEAGE:14
RETAIL/LEASE: Retail
AMOUNT OF LOAN:43.5k
TERM CONTRACTED:75
APR/LEASE RATE:5.9
MONTHLY PAYMENT:709
ANNUAL INCOME:105k combined
MISCELLANEOUS COMMENTARY: 2 car deal, had 9k of negative equity and only put 2.5k down, got the loaded limited model

APPROVING BANK:Ally
BUREAU PULLED:EQ
CREDIT SCORE:682 & 649
CUSTOMER STATE OF RESIDENCE:Florida
NEW/USED:New
YEAR OF VEHICLE:2013
MAKEodge
MODEL:Challenger
MILEAGE:12
RETAIL/LEASE:Retail
AMOUNT OF LOAN:30k
TERM CONTRACTED:75
APR/LEASE RATE:75
MONTHLY PAYMENT:490
ANNUAL INCOME:105k Combined
MISCELLANEOUS COMENTARY: very good interest. Only 2.5 Down, had women negative equity but note a problem.

This made me LOL!!! Those are some sweet rides congrats.

bcdudley · ‎04-06-2010

APPROVING BANK: EECU (Not sure, some local credit union)

BUREAU PULLED: EQ

CREDIT SCORE: 673

CUSTOMER STATE OF RESIDENCE: TX

NEW/USED: New

YEAR OF VEHICLE: 2012

MAKE: Cadillac

MODEL: SRX

MILEAGE: 30

RETAIL/LEASE: Retail

AMOUNT OF LOAN: $35000

TERM CONTRACTED: 72 mos

APR/LEASE RATE: 5.25%

MONTHLY PAYMENT: $615

ANNUAL INCOME: $110k

MISCELLANEOUS COMMENTARY: Had to replace a 2011 Equinox my wife was hit in. $4,000 down payment from insurance settlement. no trade-in. Great year end rebates and other specials. Dealer is holding the check until the settlement from insurance comes in. I have enough to cover it, but it definitely helps.

Starting Score: 580
Current Score: EQ740, EX695
Goal Score: 850

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