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You should ask this question under the "Auto Loans" forum as a new post. This thead is normally for those that have recently purchased or leased vehicles. With your score, getting approved for super low rates will be easy for you. If your scores are accurate, you should qualify for 0% financing promotions from Toyota and Honda. The lowest auto rate the credit unions are offering is 1.49% which is still great!
Good luck!!!!
Congrats to you!
APPROVING BANK: Agriculture Federal Credit Union
U BUREAU PULLED: Equifax
CREDIT SCORE: 660 auto ehance
CUSTOMER STATE OF RESIDENCE: Arkansas
NEW/USED: Used
YEAR OF VEHICLE: 2010
MAKE: Acura
MODEL: MDX Tech package and Entertainment
MILEAGE: 32000
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $31,000
TERM CONTRACTED: 72 months
APR/LEASE RATE: 3.9%
MONTHLY PAYMENT: $490
ANNUAL INCOME: $70k
MISCELLANEOUS COMMENTARY: I have two active loans with this credit union for over 2 years. One of my car was totaled and I have paid it off after receiving insurance money. I had a few 90 and 120 lates with my Citi credit cards back in 2010 and they were paid to 0 balance after settlement. Currently having 10 active credit cards with ultilization of 40%. The loan officer asked me to explain what happened with the lates and asked me how much I want to borrow. I shot for $32k and got approve instantly due to my on time history with them. Rate is 2.9 for 60 months, 3.9 for 72 months or 4.9 for 84. I picked 3.9%. The lowest advertised rate from the credit union is 2.9 for 72.
APPROVING BANK: GM FINANCIAL
BUREAU PULLED: TRANSUNION
CREDIT SCORE: 567 ( DEALER
CUSTOMER STATE OF RESIDENCE: PA
NEW/USED: USED
YEAR OF VEHICLE: 2009MAKE: CHEVROLETMODEL: SILVERADO CREW CAB 4X4
MILEAGE: 48500
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: 12500
TERM CONTRACTED: 48
APR/LEASE RATE: 6.9
MONTHLY PAYMENT: 299ANNUAL INCOME: 52000
MISCELLANEOUS COMMENTARY: PUT $5000, PLUS $5500 FOR TRADE, PREVIOUS REPO 6 YEARS OLD, 2 COLLECTIONS(2 YEARS OLD), 2 CHARGE OFFS(4 YEARS OLD). ALSO HAD CAPITAL ONE APPROVAL 10.9. WAS DENIED AT LOCAL CREDIT UNION.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |