Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
Re: Auto Loan Approvals!

TY, I figured as much.

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Contributor
Posts: 127
Registered: ‎05-29-2011
Re: Auto Loan Approvals!

APPROVING BANK: Wells Fargo
BUREAU PULLED: Unsure
CREDIT SCORE: EX 750, TU 740, EQ 739
CUSTOMER STATE OF RESIDENCE: California
NEW/USED: Used
YEAR OF VEHICLE: 2012
MAKE: Dodge
MODEL: Charger
MILEAGE: 12,000
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $23,130
TERM CONTRACTED: 72 months
APR/LEASE RATE: 3.79%
MONTHLY PAYMENT: $347
ANNUAL INCOME: $35,000
MISCELLANEOUS COMMENTARY: I was origianlly approved for a Capital One Blank
Check for $19, 350 and an APR of 3.86%. I was denied by my Credit Union because
of my income (on job for 3 months) so I thought I better use the blank check. Went to the
dealership wanting a 2010 Dodge Charger, ended up qualifying for tier one rates and
the dealer shopped me the best deal with Wells Fargo. Drove home HAPPY, HAPPY, HAPPY!


Starting Score:575 TU, 577 EQ, 610 EX
Current Score:740 TU, 739 EQ, 750 EX
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New Visitor
Posts: 4
Registered: ‎11-12-2012
Re: Auto Loan Approvals!
I shopped online and completion the finance application online. I walked in signed the papers and drove away.....easiest process ever, to be honest I will a little scared something wrong happened
APPROVING BANK: Honda Financial Services
BUREAU PULLED:TransUnion
CREDIT SCORE:690
CUSTOMER STATE OF RESIDENCE: Illinois
NEW/USED: New
YEAR OF VEHICLE: 2012
MAKE: Honda
MODEL: Crosstour
MILEAGE: 20
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 26K
TERM CONTRACTED: 72 months
APR/LEASE RATE: 1.9%
MONTHLY PAYMENT: $390
ANNUAL INCOME: $70K
MISCELLANEOUS COMMENTARY: Had a choice between 0.9% for 60 months or 1.9% for 72 months and I choose the 72 months
Valued Member
Posts: 38
Registered: ‎06-26-2012
Re: Auto Loan Approvals!

With the deal you got on financing did you also get a discount off of the MSRP?

2fst4u
New Visitor
Posts: 4
Registered: ‎11-12-2012
Re: Auto Loan Approvals!

I got $2500 off MSRP and I put $0 down..The 26K included the extended warranty and GAP coverage

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

Congrats

New Visitor
Posts: 4
Registered: ‎11-12-2012
Re: Auto Loan Approvals!

Thank you

New Visitor
Posts: 1
Registered: ‎11-13-2012
Re: Auto Loan Approvals!
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
MAKESmiley Very Happyodge 
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.

 

 

Established Member
Posts: 19
Registered: ‎06-03-2012
Re: Auto Loan Approvals!
[ Edited ]
APPROVING BANK: Security Service FCU
BUREAU PULLED:EX
CREDIT SCORE:667
CUSTOMER STATE OF RESIDENCE: Texas
NEW/USED: NEW 
YEAR OF VEHICLE:2012
MAKE: Ford
MODEL: F150 XLT Crew Max Texas Edition
MILEAGE:42
RETAIL/LEASE: Retail
AMOUNT OF LOAN:38769 including TT&L
TERM CONTRACTED:75
APR/LEASE RATE:3.49
MONTHLY PAYMENT:581
ANNUAL INCOME:132k combined
MISCELLANEOUS COMMENTARY: Really sweet truck, came with chrome and towing package. Rolled $6,873 negative equity into the loan. MSRP was $39,175 received close to $9,000 on rebates, $500 down. I decided to add the GAP insurance due to the negative equity. Even with negative equity I ended up paying $2,489 under MSRP. Best time to buy a 2012 vehicle is now.
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
Re: Auto Loan Approvals!

Sweet and Congrats