Re: Auto Loan Approvals!

TrishN · ‎11-05-2012

congrats USAA is good lender !

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dtjones052209 · ‎01-28-2013

Congrats!

Mjoh · ‎01-17-2013

Congrats! And I so enjoyed reading your story about your experience

Mommyrambles · ‎12-10-2012

APPROVING BANK: Honda Finance
BUREAU PULLED: ???

CREDIT SCORE: 690's

CUSTOMER STATE OF RESIDENCE: PA
NEW/USED: NEW
YEAR OF VEHICLE: 2013

MAKE: HONDA

MODEL: PILOT 4WD TOURING
MILEAGE: 12
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 40,000
TERM CONTRACTED: 60 Months
APR/LEASE RATE: 0.9%
MONTHLY PAYMENT: $682

ANNUAL INCOME: $108,000
MISCELLANEOUS COMMENTARY: We were also approved by NFCU at 1.79%, PSECU at 1.99% and USAA at 6.49% (????).

wpdnomad · ‎01-24-2013

APPROVING BANK: American Credit Acceptance
BUREAU PULLED: TU
CREDIT SCORE: 507
CUSTOMER STATE OF RESIDENCE: Kansas
NEW/USED: Used
YEAR OF VEHICLE: 2006

MAKE: Ford

MODEL: Escape 4x4
MILEAGE: 75k
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $6389 (put $2000 down)
TERM CONTRACTED: 54 months
APR/LEASE RATE: 18%
MONTHLY PAYMENT: $174

ANNUAL INCOME: $18,456 (on SSDI)
MISCELLANEOUS COMMENTARY: Was pretty happy to get this rate with my credit score. Will attempt to refinance in a year with 12 months of on time payments. This forum has been very helpful and I am grateful for all those who take the time to share their advice.

TnTNYC · ‎11-17-2012

Congratulations! Best of luck getting that rate down.

Starting Score: 717 (Exp); 702 (Equifax); 740 (TU)
Current Score: 722 (Exp); 726 (Equifax); 739 (TU) as of 02/09/2013
Goal Score: 800

Take the myFICO Fitness Challenge

35mmlifespan · ‎02-11-2013

APPROVING BANK: Wells Fargo Dealer Services
BUREAU PULLED: Transunion
CREDIT SCORE: 540 (co-signer's was 698)
CUSTOMER STATE OF RESIDENCE: WI
NEW/USED: Used
YEAR OF VEHICLE: 2010

MAKE: Nissan

MODEL: Sentra
MILEAGE: 33,000
RETAIL/LEASE: $13675
AMOUNT OF LOAN: $11,000 something (don't have the exact paperwork right in front of me)
TERM CONTRACTED: 72 months
APR/LEASE RATE: 7.99% (was actually VERY happy with this due to my subprime score)
MONTHLY PAYMENT: $220.74

ANNUAL INCOME: $35,000
MISCELLANEOUS COMMENTARY: Put $3000 as down payment.

Faust1415 · ‎02-04-2013

PPROVING BANK: Capital One

BUREAU PULLED: Experian

CREDIT SCORE: 675 FICO (689 Enhanced)/ Cosigner has 680 enhanced

CUSTOMER STATE OF RESIDENCE: FL

NEW/USED: Used

YEAR OF VEHICLE: 2012

MAKE: Ford

MODEL: Mustang Prem. V6

MILEAGE: 25k

RETAIL/LEASE: $22000

AMOUNT OF LOAN:19.8k After working them down, and a small down payment!

TERM CONTRACTED: 72 months

APR/LEASE RATE: 3.54%

MONTHLY PAYMENT: $300

ANNUAL INCOME: 23k self/ father(cosignee) 47k

Honestly I was shocked to get this, I had everything going through my credit union... and they were taking their time, which usually isn't good. So i decided while I was waiting to get a call from them, I would check capital one out...... 1m later I was instantly approved up to 25k, on any term I wanted with a 3.54% rate. I about screamed! An hour later, my credit union calls and said that they would be able to approve me for up to 15k by myself, and wouldn't even consider my father (had a collection that he has paid, from a divorce years ago). So i'm absolutely thrilled!

yodi2007 · ‎01-06-2013

APPROVING BANK: Capitol One
BUREAU PULLED: Experian
CREDIT SCORE: 605
CUSTOMER STATE OF RESIDENCE: GA
NEW/USED: One Owner Certified/ Clean Carfax
YEAR OF VEHICLE: 2012

MAKE: Nissan

MODEL: Altima
MILEAGE: 15788
RETAIL/LEASE: 15888 (This is everything out the Door Tax, Tag, & Dealer Fee)
AMOUNT OF LOAN: 18,956 (Blank Check)
TERM CONTRACTED:60
APR/LEASE RATE: 15.8
MONTHLY PAYMENT: 385.00

ANNUAL INCOME: 35k without any OT
MISCELLANEOUS COMMENTARY: Was really shocked that i was even approved throught a big bank! This is even with 2 repos (from the same bank at the same time) due to my wife losing her job and me taking a huge paycut back in 06. No money down but will refinance in 6-12 months after derogs fall off. I have 3k in my savings for auto pay for another 0.5% off ARP. This car was the last remaing model from 12 on the lot, so this was an absolute steal!

sprinkman983 · ‎02-13-2013

APPROVING BANK: AUTO CREDIT SOURCE
BUREAU PULLED: EXPERIAN
CREDIT SCORE: 580
CUSTOMER STATE OF RESIDENCE: TX
NEW/USED: USED
YEAR OF VEHICLE: 2006

MAKE: DODGE

MODEL: CHARGER SRT
MILEAGE: 75935
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: 15,289
TERM CONTRACTED: 54
APR/LEASE RATE: 18.99
MONTHLY PAYMENT: $427

ANNUAL INCOME: 65000
MISCELLANEOUS COMMENTARY: TRADED IN A 2008 COBALT THEY GAVE ME $5000

As of 2/13/13

Ex: 601 TU: 529 EQ:568

2/26/13
Ex: 623 TU: 565 EQ: 577
Paid off 4 collections accounts (3 were deleted from reports) & got 5 small limit credit cards below the 50% limit.