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Approved for PNC Bank Auto Loan!

Auto Loans for ANY Credit Situation. Immediate Response.
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Valued Member

Approved for PNC Bank Auto Loan!

Just to give a back story of my loan search..

 

I paid a bill off a few days ago, finally found the car I want (2015 BMW M4 for $40k) but was waiting for my scores to update. EX instantly updated after my card statement cutoff date to 715 FICO. TU and EQ are still taking foreverrrr.

 

I had only had 3 credit unions I wanted to apply to. Alliant, DCU or Bethpage.

 

I applied to Bethpage yesterday I know they run EX. Called them today & they had almost all my info messed up I have no idea how. They said I'm a 1st time buyer(WRONG) & was co-signed to that auto loan (WRONG) & that my loan request amount was 30,000(WRONG) so I was only approved for 25k . They sent it back to underwriting. I tried to to call by 4:30 today to see if they fixed it, they didnt have an answer. 

 

Was anxious so I searched up and down this forum to see who else runs only Experian. Found PNC, went and applied online and instant approval of 40,000 & 5.64% APR & overnighted check!!!! I didn't even need to speak to anyone that was it.

I'm so happy and that was extremely fast! I'm so happy I'm apart of this forum lol!

21y/o trying to become an elite credit queen by 25.
Current: June 2019 EX 715; TU 723; EQ 720
Starting Score: TU 748; EQ 743; EX 739
Goal: 760 all round

Discover IT: (3.9k) Cap 1 QuicksilverOne: (4k) WF College Visa: (1700) Alphaeon: (14k) Credit One: (500) Nordstrom: (10k) VS Angel: (1.5k) BMW Financial Auto Loan (35k) ~ (Paid in full & Closed)
AAoA: 1y 11m
AoOA: 3y 9m
4 REPLIES 4
Established Contributor

Re: Approved for PNC Bank Auto Loan!

Congrats on getting the PNC approval and on the new wheels!





Message 2 of 5
Frequent Contributor

Re: Approved for PNC Bank Auto Loan!

I loveee the M4! Congratulations 🎉
Sept 18: EQ: 578 TU: 583 EX: 576
March 19’: EQ: 615 TU: 642 EX: 637
June: EQ8: 637 TU8: 645 EX8: 642
September 19’: EQ8: 620 TU8: 645 EX8: 640
Goal by Sept 20’ EQ: 700 TU: 700 EX:700

AA: 7YRS 4MONTHS AAOA: 2YR 4MONTHS
Inquiries in 12 months: EQ: 3 TU: 1 EX: 1
New Accounts in the last 9 months: 0
CLOSED: Self Lender 12Month CD: June 20th 19’

Short Term Goal: Auto Lease 2020 Jeep MOAB
Chase 6/24 In-Branch Pre-approvals for all chase credit products - Goal Achieved but not taking the bait.. YET!
Message 3 of 5
Valued Member

Re: Approved for PNC Bank Auto Loan!

Congrats! I've banked with PNC for years but have never applied for a loan. Good to know they are so efficient and easy.



Message 4 of 5
Valued Member

Re: Approved for PNC Bank Auto Loan!

Yes they are! Unfortunatley I didn't end up taking this loan as I found out they don't offer GAP coverage whatsoever, and I'm insured with Geico which doesnt have that option either so I went with my local credit union and got a lower APR anyway. 

21y/o trying to become an elite credit queen by 25.
Current: June 2019 EX 715; TU 723; EQ 720
Starting Score: TU 748; EQ 743; EX 739
Goal: 760 all round

Discover IT: (3.9k) Cap 1 QuicksilverOne: (4k) WF College Visa: (1700) Alphaeon: (14k) Credit One: (500) Nordstrom: (10k) VS Angel: (1.5k) BMW Financial Auto Loan (35k) ~ (Paid in full & Closed)
AAoA: 1y 11m
AoOA: 3y 9m
Message 5 of 5
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