Regular Contributor
apandabear
Posts: 200
Registered: ‎03-15-2012
Re: Auto Loan Approvals!
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.
2009-10 - C/Os
2011 - Debts paid, no open credit
2012 - Rebuilding started, secured cards opened, SL rehabbed - EQ myFICO 636
2014 - 10k Discover, 3.5k Freedom, AmEx Green, SL, Auto Loan - EQ myFICO 695
New Visitor
VIII
Posts: 4
Registered: ‎11-12-2012
Re: Auto Loan Approvals!

Congrats

New Contributor
4us-
Posts: 90
Registered: ‎08-06-2012
Re: Auto Loan Approvals!
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
Established Member
dallascowboyfan
Posts: 14
Registered: ‎06-09-2009
Re: Auto Loan Approvals!

Congratulations........

Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
Re: Auto Loan Approvals!

+1

Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
Re: Auto Loan Approvals!
[ Edited ]
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.

Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
New Contributor
kese
Posts: 60
Registered: ‎07-09-2012
Re: Auto Loan Approvals!
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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New Contributor
PRC
Posts: 68
Registered: ‎04-16-2012
Re: Auto Loan Approvals!
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..
Valued Contributor
beb86
Posts: 1,117
Registered: ‎10-31-2011
Re: Auto Loan Approvals!

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
MAKE:smileyvery-happy:odge 
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.

ccpics2.jpg
Regular Contributor
bcdudley
Posts: 141
Registered: ‎04-06-2010
Re: Auto Loan Approvals!
[ Edited ]

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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