This thread is to be used for your Auto Loan Approvals just copy and paste!
APPROVING BANK: Capital One Blank Check (first), BB&t (dealer beat rate)
BUREAU PULLED: Cap One pulled all three. Dealer used BeAcon 5.0 auto enhanced
CREDIT SCORE: Beacon 811; Cap one had a low of 735 on Transunion, to Equifax 795 I believe.
CUSTOMER STATE OF RESIDENCE: Virginia
NEW/USED: USED
YEAR OF VEHICLE: 2009
MAKE: VW
MODEL: Passat Komfort
MILEAGE: 49,000
RETAIL/LEASE: Buy
AMOUNT OF LOAN: 16,800
TERM CONTRACTED: 60
APR/LEASE RATE: BB&T 2.99 (Cap one had a sliding scale of 2.50 for 2012, down to 3.99 for 2009)
MONTHLY PAYMENT: 301
ANNUAL INCOME: 85000
MISCELLANEOUS COMMENTARY: Capital One, which I despise for a credit card, came through beautifully. Approved online within seconds (although had to verify identity by phone because of fraud alert), and sent the check out immediately. Dealer first said he couldn't beat their rate and let me keep my score sheet showing the Beacon 5.0 at 811. I was surprised, but now know they run high. At pickup, finance manager called me in and gave me 2.99, so I went with that.
But Capital One was great, and if I stayed with them would have gotten $100 cash back.