Any car loan approval without income verification or proof of income?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

If that's ur actual score on bottom of profile u shouldn't have a problem.. Assuming it's strong score meaning u have installment loan and depend and amount u want financed.. I got a 199800 car loan without income verification but I also have a strong 810 score with long history of installment loan at time of purchase of that vehicle I have 12 installment loans already currently I have 18 installment loan

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Yes the scores in my signature are correct.  My experian just bumped up to 809 from 712 yesterday. I only had one card and I was approved for the other two cards yesterday. Somehow those two amex cards changed my Exp score dramatically.  On my AAOA, I'm not really too sure. I still haven't gone as far as getting a handle on that. I have old mortgage acct, old car loan acct, 40k in student loans, but I really need to nail down the specific accts I have, their age and their contibution to my credit.  This is where I'm a little lost.  Im 37 so it's not like It's new credit, but I did have some trouble in the past, no activity for few years, then started rebuilding again in 2012. 

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Typically with a credit score that high they will ask what's ur income and normally won't actually ask u for paycheck stub or w2.. Only time that happen is when u have a big jump on income. Guess they have ur income report on ur credit file too.. I'm not one that look into my credit too much I don't even normally monitor my score. Only reason I know I have 810 is I just got a new home loan for another rental property. I've never have any problem with auto loan without proof of income

[2b2rich]

(didn't realize how old this thread is)

[Anonymous]

Not too late...don't think anyway.  I'm still keeping an eye on it in case anyone posts any new helpful info.

Discus510: Thanks for the feedback and info.

[oma]

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@Anonymous wrote:

Not too late...don't think anyway.  I'm still keeping an eye on it in case anyone posts any new helpful info.

Discus510: Thanks for the feedback and info.

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Did you get any answers 

[Anonymous]

My good friend is a new car manager at a local Chevy dealership and he said that in order to avoid income verification you need to be a 640 or higher. 

[kenhuynh1224]

I was at carmax last month to purchased the Huyndai Elentra . My bk chap 7 was discharged on Sep. I was approved after the saleman send my app to their lender. ALLY AUTO FINANCE approved me with total loan amount 15k and required $500 down , proof of insurance . That's it , no income verify required . My score was 580 at that time .

[Anonymous]

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@oma wrote:

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@Anonymous wrote:

Not too late...don't think anyway.  I'm still keeping an eye on it in case anyone posts any new helpful info.

Discus510: Thanks for the feedback and info.

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Did you get any answers 

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Just continued to read through-out the forum looking for similar questions.  Everything leads to the same. For most part, I shouldn't be required to provide proof of income, based on my scores.  So I guess I'll see when I do finally pull the trigger with my car situation. Still driving the rental.

[Anonymous]

DCU - 11/2015 - Filled out app online. Current member with just $250 in a checkbook.

Got $7500 plat visa and $(up to) 30k auto approval on 1hp.

Ended up with a 23,490 loan @ 2.99% for 60 mo - no paperwork required or income verification other than a purchase order from the dealer.

The LTV on the loan was low - $23k on a $45k + tag / tags Mercedes Benz.

My fico at the time was 699 as per DCU.

Take care,

George

[Anonymous]

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@Epcot wrote:
I have purchased or leased about 6 cars in the last 10 years and I have never been asked for any income verification. My credit score has ranged from low 600's to high 700's. 4 were new cars where I put 0 down (Leases).

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What dealerships were these and are any here in SC? Also did you put any income or place of employment down?

[mitchblue]

Last July, Penfed Auto loan - no income or any other verification at all. I had an account with them, very little money. I didn't have a car in mind at the time and just asked for 20k.