Established Member
Posts: 36
Registered: ‎12-30-2012
Re: Auto Loan Approvals!

APPROVING BANK:  Subaru (JP Morgan)

BUREAU PULLED:  Unsure of what Dealer pulled, he just said both husband and I were over 700- enough to get Tier I

CREDIT SCORE:  714 as of November- TU

CUSTOMER STATE OF RESIDENCE:  ME

NEW/USED:  NEW

YEAR OF VEHICLE:  2013

MAKE:  Subaru

MODEL:  Forester 2.5X w/ Alloy Wheels

MILEAGE:  4

RETAIL/LEASE:  RETAIL

AMOUNT OF LOAN:  $25,XXX

TERM CONTRACTED:  72 Mos

APR/LEASE RATE:  1.9%

MONTHLY PAYMENT:  $382

ANNUAL INCOME:  75k

MISCELLANEOUS COMMENTARY: MSRP was $23,823.  We purchased the GAP and a service plan (I think about $1300 combined), and rolled over about 2k in negative equity. I think we did pretty good.  We initially started at a Nissan dealer this morning but they just didnt get us where we wanted to be on the price or trade in.-- In the end they got the trade in pretty close, but price still wasn't what I wanted and they supposedly couldnt get the rate lower than 3.69%, which I know they were just trying to make up for the trade.... so we walked and I e-mailed a guy I had previously worked with a couple months ago at the Subaru dealer to see if they had any year end deals going on the foresters.  I'm very happy with the forester- I think it was a better choice over the rogue, we definitely needed something with AWD to handle the snow this winter.

Established Member
Posts: 16
Registered: ‎12-10-2012
Re: Auto Loan Approvals!
APPROVING BANK: JP Morgan Chase (Dealer)
BUREAU PULLED: Equifax
CREDIT SCORE: 575
CUSTOMER STATE OF RESIDENCE: FL
NEW/USED: Used
YEAR OF VEHICLE: 2010
MAKE: Ford
MODEL: Edge
MILEAGE: 56,000
RETAIL/LEASE: $20,900
AMOUNT OF LOAN: $16,500
TERM CONTRACTED:
APR/LEASE RATE: 9.25
MONTHLY PAYMENT: $299
ANNUAL INCOME: $88000
MISCELLANEOUS COMMENTARY: Traded in 2004 Audi A6 for $6000
Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
Re: Auto Loan Approvals!

ALLevesque wrote:

APPROVING BANK:  Subaru (JP Morgan)

BUREAU PULLED:  Unsure of what Dealer pulled, he just said both husband and I were over 700- enough to get Tier I

CREDIT SCORE:  714 as of November- TU

CUSTOMER STATE OF RESIDENCE:  ME

NEW/USED:  NEW

YEAR OF VEHICLE:  2013

MAKE:  Subaru

MODEL:  Forester 2.5X w/ Alloy Wheels

MILEAGE:  4

RETAIL/LEASE:  RETAIL

AMOUNT OF LOAN:  $25,XXX

TERM CONTRACTED:  72 Mos

APR/LEASE RATE:  1.9%

MONTHLY PAYMENT:  $382

ANNUAL INCOME:  75k

MISCELLANEOUS COMMENTARY: MSRP was $23,823.  We purchased the GAP and a service plan (I think about $1300 combined), and rolled over about 2k in negative equity. I think we did pretty good.  We initially started at a Nissan dealer this morning but they just didnt get us where we wanted to be on the price or trade in.-- In the end they got the trade in pretty close, but price still wasn't what I wanted and they supposedly couldnt get the rate lower than 3.69%, which I know they were just trying to make up for the trade.... so we walked and I e-mailed a guy I had previously worked with a couple months ago at the Subaru dealer to see if they had any year end deals going on the foresters.  I'm very happy with the forester- I think it was a better choice over the rogue, we definitely needed something with AWD to handle the snow this winter.


What Subaru dealer? Patriot or Evergreen? I bought a car before at Patriot, but I know a few guys at Evergreen.  Great guys over there.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
Re: Auto Loan Approvals!

I can't believe I can finally do this!!

 

APPROVING BANK: DCU
BUREAU PULLED: EQ
CREDIT SCORE: 660
CUSTOMER STATE OF RESIDENCE: RI
NEW/USED: USED
YEAR OF VEHICLE:2006
MAKE: AUDI
MODEL: S4
MILEAGE: 72000
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: 15-17k
TERM CONTRACTED: 65 months
APR/LEASE RATE: 5.49%
MONTHLY PAYMENT: $280-$300
ANNUAL INCOME: 70k
MISCELLANEOUS COMMENTARY: Approved at 100% of book value, which is about 21k, but will finance about 16k after trade.  Still not done by a longshot, still need to negotiate the actual car, but I don't believe we're that far off.  In addition, this gives me the confidence in knowing I can finance another one if I need to walk from this. Really, really excited about it.
  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Regular Contributor
Posts: 180
Registered: ‎12-08-2012
Re: Auto Loan Approvals!
[ Edited ]
APPROVING BANK: Ford Motor Credit
BUREAU PULLED: Equifax
CREDIT SCORE: 663 "Score Dealer showed me"
CUSTOMER STATE OF RESIDENCE: VA
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Ford
MODEL: Focus SE
MILEAGE: 03
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $21,288.94
TERM CONTRACTED: 72
APR/LEASE RATE: 9.9%
MONTHLY PAYMENT: $155.72
ANNUAL INCOME: 25k
MISCELLANEOUS COMMENTARY: 10k trade in offer on my 2005 Sport Trac with 51k miles. Was also offered an additional rebate of $2,895 bringing total down payment to $12,895. Financing $8,393.94 @ 9.9% apr = $11,211.84. No credit history and my first loan ever.

 

Amex BCP 12,500 - Amazon Chase Signature 10,000 - Discover It 9,000 - Walmart MC 7,500 - Citi Diamond 6,100 - Lowe's 6,000 - Fulton 6,000 - Amazon Store Card 2,000
Established Member
Posts: 36
Registered: ‎12-30-2012
Re: Auto Loan Approvals!

Jutz- we went to Pape Subaru in S. Portland.

 

I did test drive one at Patriot a couple months ago, but honestly picked Pape for convenience (it's less than a mile from work)

 

My brother bought his Forester at Patriot.

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

Ah! I forgot about Pape!  Yeah I've gotten parts there before, when I used to work in Scarborough.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Regular Contributor
Posts: 214
Registered: ‎03-19-2010
Re: Auto Loan Approvals!
APPROVING BANK: NMAC
BUREAU PULLED: all 3
CREDIT SCORE: 675-680
CUSTOMER STATE OF RESIDENCE: TX
NEW/USED: new
YEAR OF VEHICLE: 2013
MAKE: Nissan 
MODEL: armada 
MILEAGE: 4
RETAIL/LEASE: $38,000
AMOUNT OF LOAN: $54,000
TERM CONTRACTED:75
APR/LEASE RATE: 6.99
MONTHLY PAYMENT: $750 (with gap and extended coverage)
ANNUAL INCOME: $70,000
MISCELLANEOUS COMMENTARY: consigned with hubby.. Traded in 2010 pathfinder with 73,000 miles that we signed at 15% took advantage of theircashback promo instead of 0 apr.. Took care of all negative equity in my pathfinder.. They showed us our credit scores and came up as 640ish respectively!! Plan to refinance... 
Updated 11/12/14
EQ 717 TU 718 EX 732

updated FICO 10/28/14
EQ 710 TU709 EX683

myfico scores 10/25/14
EQ 677 TU 695 EX 683

New Contributor
Posts: 104
Registered: ‎03-21-2012
Re: Auto Loan Approvals!
APPROVING BANK:Toyota Financial Services
BUREAU PULLED:Transunion Auto Enhanced
CREDIT SCORE:659
CUSTOMER STATE OF RESIDENCE:TX
NEW/USED:NEW
YEAR OF VEHICLE:2012
MAKE:Toyota
MODEL:Camry SE with Options
MILEAGE:24
RETAIL/LEASE:smileytongue:urchase
AMOUNT OF LOAN:23500
TERM CONTRACTED:5
APR/LEASE RATE:0%
MONTHLY PAYMENT:427
ANNUAL INCOME:60K
MISCELLANEOUS COMMENTARY: I got 1500 below invoice.
Cap1 500 Chase Freedom 5K Discover More 1.5K Amex Zync NPSL AMEX Hilton HHonors 2K
Utilization 7%
Tu Fico: 718 ( Disover More App 4/26/12)
Exp Fico 707 (Amex Pull 4/28/12)
Equifax Fico 681 (Chase 4/26/12 Pull)
Valued Member
Posts: 26
Registered: ‎07-26-2012
Re: Auto Loan Approvals!
APPROVING BANK: Toyota Financial Services 
BUREAU PULLED: All
CREDIT SCORE: Lender pull 616/637/647
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: Used
YEAR OF VEHICLE: 2005
MAKE: Nissan 
MODEL: Titan 4x4
MILEAGE: 111k
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $16k
TERM CONTRACTED: 54 Months
APR/LEASE RATE: 15.99%
MONTHLY PAYMENT: $420
ANNUAL INCOME: $34k
MISCELLANEOUS COMMENTARY: $1500 down

Starting Score: 600
Current Score: 663
Goal Score: 720


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