Established Member
Posts: 14
Registered: ‎08-04-2008
Re: Auto Loan Approvals!
[ Edited ]
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 $9000 (9/2012), Citi Forward $8000 (6/2012), Discover More $7000 (5/2012), Chase Freedom $1200 (7/2008), Cap1 Platinum MC $4750 (7/2007)

FICO Scores: 753 TU (4/2013), 744 EX (9/2012), 713 EQ (8/2012)