APPROVING BANK: Commerce Bank
BUREAU PULLED: Transunion
CREDIT SCORE: 775 and 741 (joint loan with husband)
CUSTOMER STATE OF RESIDENCE: MO
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Kia
MODEL: Soul
MILEAGE: 18
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $16767 (price includes extended warranty)
TERM CONTRACTED: 75 months
APR/LEASE RATE: 1.69%
MONTHLY PAYMENT: $235
ANNUAL INCOME: $54k
MISCELLANEOUS COMMENTARY: Zero down. Our dealer's finance guy advised that GAP insurance would be cheaper through our regular auto insurance - checked online and GAP will only cost us about $18/year through esurance. We're still deciding whether or not to keep the extended warranty (have 90 days to cancel).
Cards: Amex BCE $5000 (9/2012), Citi Forward $8000 (6/2012), Amex Zync NPSL (5/2012), Discover More $6000 (5/2012), Chase Freedom $1200 (7/2008), Cap1 Platinum MC $4750 (7/2007)
FICO Scores: 775 TU (12/2012, auto loan pull), 744 EX (9/2012), 713 EQ (8/2012)
