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APPROVING BANK: Infiniti
BUREAU PULLED: EX and Transunion
CREDIT SCORE: EX 714, TU 745 (they used the EX score)
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED:NEW
YEAR OF VEHICLE:2013
MAKE:Infiniti
MODEL:G37 SPORT SEDAN 6MT
MILEAGE:100
RETAIL/LEASE:LEASE
AMOUNT OF LOAN:$39,300
TERM CONTRACTED:39 mo
APR/LEASE RATE:.0001 MF
MONTHLY PAYMENT:$395
ANNUAL INCOME:80k
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY:
Holy hell this was a 4 hour process of haggling. They started me at a payment of $580 and I finally got it down to $395. My max was $450. I am leasing this for my business. Free loaner cars and lot of little perks. Kept my game face on and showed 0 emotion. It was interesting and I had my husband totally freaking out with my negotiating skills. He kept looking at me like **bleep**? It was awesome. I love this car!!!!
So excited I finally get to do this.
APPROVING BANK: chase mazda finance
BUREAU PULLED: trans
CREDIT SCORE: 681 (with them) I pulled 683
CUSTOMER STATE OF RESIDENCE:
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Mazda
MODEL: 3I Touring
MILEAGE:5
RETAIL/LEASE:Retail
AMOUNT OF LOAN: ~20,000
TERM CONTRACTED: 60
APR/LEASE RATE: 0%
MONTHLY PAYMENT: $335
ANNUAL INCOME:
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY:
Thank you for your post! I"ve been looking for postings that are similiar to my situation. This definitely helps me. I made my last Chpt 13 plan payment in May, but have learned that I over paid my plan by $3500. So my attorney goes to court in July for that, and I am hoping that they will discharge the same day. I need a new vehicle badly. My car rattles, shakes, and needs many repairs. I've been approved w/ a cosigner at one dealership (definitely don't want a cosigner). Denied by Capital One online and Credit Union of Texas b/c of the open bankruptcy.
Pre-approved at a Toyota dealership; but they all want my discharge documents. My scores aren't terrible, considering I've had the inquires over the last 2 weeks and the bankruptcy hasn't been discharged. I've been terrified to see if I will be approved and how my credit will be viewed with the Chpt 13. Thank you again for your post.
Scores as of 6/24/13
EX: 594
EQ: 618 (in April); Currently 604 (all 3 recent inquires have been Equifax , and why the score has dropped)
TU: 620
It's taken me two years to buy a car, but I'm glad I waited. I wasn't sure what I wanted, and it gave time for my scores to improve. Plus it was easy getting to work on public transportation.
I was denied by two credit unions in May, so I had no idea what was going to happen. I was afraid to try to get outside funding b/c didn't want the pulls on my account. (as of right now only 1 shows). ALso, my school loan might be defaulting soon. (currently 20days late) They want me to pay $636 a month, and previously I was able to get everything deferred. Now under fed loans. I make too much. ~side eye~ . I also had some baddies, two judgements, and two medical bills in collections. I'm going to work on some pfd, which is why I don't want another hefty payment right now. So hopefully, I'll have all bureaus in the 700's soon. As of Today, EQ is 701, TU is 683. And I haven't pulled Ex yet.
I wish you the best of luck. If you can hold out until July once everything is settled, do it. The sales manager was telling me for them, the cut off for the 0% was 680. It is Mazda financing but it is through Chase. I also had my cousin negotiate the price. I am so fortunate to have had him b/c I was getting frustrated dealing with dealers.
APPROVING BANK: BB&T
BUREAU PULLED: AS FAR AS I CAN SEE TU AND EX
CREDIT SCORE: 718
CUSTOMER STATE OF RESIDENCE: MD
NEW/USED: USED
YEAR OF VEHICLE: 2011
MAKE: MERCEDES
MODEL: GL 450
MILEAGE: 19K
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: 60250.00
TERM CONTRACTED: 72
APR/LEASE RATE: 2.99
MONTHLY PAYMENT: 867.00
This thread is to be used for your Auto Loan Approvals just copy and paste!
APPROVING BANK: CarMax
BUREAU PULLED: EXP
CREDIT SCORE: 756
CUSTOMER STATE OF RESIDENCE: AZ
NEW/USED: Used
YEAR OF VEHICLE: 2013
MAKE: Ford
MODEL: Escape
MILEAGE: 1,500
RETAIL/LEASE: 21K
AMOUNT OF LOAN: 23K
TERM CONTRACTED:
APR/LEASE RATE: 72 mos 5.2%
MONTHLY PAYMENT: 478
ANNUAL INCOME: 62,000
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY: $2000 down but didnt need it
APPROVING BANK: NFCU
BUREAU PULLED: EQ
CREDIT SCORE:703
CUSTOMER STATE OF RESIDENCE:VA
NEW/USED: NEW
YEAR OF VEHICLE: 13
MAKE: Ford
MODEL: Fusion
MILEAGE:
RETAIL/LEASE:
AMOUNT OF LOAN: 27,000
TERM CONTRACTED: 72 Months
APR/LEASE RATE: 2.79
MONTHLY PAYMENT:
ANNUAL INCOME: 43,000
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY: