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Auto Loan Approvals!

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wHiTeSoL
Valued Contributor

Re: Auto Loan Approvals!

APPROVING BANK: DCU
BUREAU PULLED: EQ
CREDIT SCORE: 719
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: USED
YEAR OF VEHICLE: 2013
MAKE: Hyundai
MODEL: Elantra Limited Sedan
MILEAGE:10k
RETAIL/LEASE: RETAIL 
AMOUNT OF LOAN: 22xxx
TERM CONTRACTED: 60 Months
APR/LEASE RATE: 1.99
MONTHLY PAYMENT:385.01
ANNUAL INCOME: 85,000
DEBT TO INCOME RATIO: 
MISCELLANEOUS COMMENTARY:

Message 2121 of 4,736
sekada
Regular Contributor

Re: Auto Loan Approvals!

Hey, how do you like the new Mazda3? That's what I'm shopping for. Smiley Happy Congrats!!

Message 2122 of 4,736
Kloeser
New Visitor

Re: Auto Loan Approvals!

APPROVING BANK: Fifth State
BUREAU PULLED: EQ, EX
CREDIT SCORE: 729 on EQ and 637 on EX
CUSTOMER STATE OF RESIDENCE: TX
NEW/USED: NEW
YEAR OF VEHICLE: 2014
MAKE: FORD
MODEL: FOCUS
MILEAGE: 41
RETAIL/LEASE: 18,900
AMOUNT OF LOAN: 23,000
TERM CONTRACTED: 72 mo
APR/LEASE RATE: 4.69%
MONTHLY PAYMENT: $349
ANNUAL INCOME: 47,000
DEBT TO INCOME RATIO: something small, don't know for sure!
MISCELLANEOUS COMMENTARY: SO EXCITED TO FINALLY POST HERE!! Feels like the first huge "grown up" decision I've ever made!!
Message 2123 of 4,736
RushXTC
Established Contributor

Re: Auto Loan Approvals!

APPROVING BANK:  

BUREAU PULLED: Experian/TransUnion
CREDIT SCORE: 667/617
CUSTOMER STATE OF RESIDENCE: California
NEW/USED: Used
YEAR OF VEHICLE: 2013
MAKE: Ford
MODEL: Mustang V6 Convertible Premium
MILEAGE: 21,753
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $19,920.20
TERM CONTRACTED: 72 Months
APR/LEASE RATE: 3.29%
MONTHLY PAYMENT: $305.25
ANNUAL INCOME: $30,000
DEBT TO INCOME RATIO: N/A
MISCELLANEOUS COMMENTARY: I think I did a good job on this one. I love the car!

Message 2124 of 4,736
dhammett31065
New Visitor

Re: Auto Loan Approvals!

APPROVING BANK: Ford motor company
BUREAU PULLED:Transunion
CREDIT SCORE:600 ( not sure if it was an auto enchanced score or my actual transunion score bc i havent checked my transunion score)
CUSTOMER STATE OF RESIDENCE: PA
NEW/USED: New
YEAR OF VEHICLE:2013
MAKE: Ford
MODEL: Flex SEL
MILEAGE:
RETAIL/LEASE:40,000
AMOUNT OF LOAN:41,000
TERM CONTRACTED:72 months
APR/LEASE RATE:3.9%
MONTHLY PAYMENT:639
ANNUAL INCOME: $78,000 plus bonuses
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY: traded in car. got lots of rebates since it was a left over 2013. plus got Dplan rate on the vechile. didnt think i would get approved. but got  tier 4 and 3.9% plus more rebates thru ford since we financed with ford. have had previous problems with credit score and have been working on improving credit score for the past year and half. so excited to have been approved with such a low interest. and only had to put $1,000 down ( but chose to put money down before applying for the loan)

Message 2125 of 4,736
makeupho
New Contributor

Re: Auto Loan Approvals!


APPROVING BANK: Audi Financial
BUREAU PULLED: TU
CREDIT SCORE: 703 (auto enhanced, i think)
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: new
YEAR OF VEHICLE: 2014
MAKE: Audi
MODEL:
RETAIL/LEASE: purchase
AMOUNT OF LOAN: $70K
TERM CONTRACTED:
APR/LEASE RATE: 4.9
MONTHLY PAYMENT:
ANNUAL INCOME: $175K
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY:  approved 1 week post Ch 13 discharge

Ch13 filed 3/2009 : discharged 1/2014
Starting 2/16/2013:
EQ673 TU667
Current 6/3/2018: EX816 EQ806 TU820
Goal: 850

Take the myFICO Fitness Challenge
Message 2126 of 4,736
awal
Regular Contributor

Re: Auto Loan Approvals!


@makeupho wrote:

APPROVING BANK: Audi Financial
BUREAU PULLED: TU
CREDIT SCORE: 703 (auto enhanced, i think)
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: new
YEAR OF VEHICLE: 2014
MAKE: Audi
MODEL:
RETAIL/LEASE: purchase
AMOUNT OF LOAN: $70K
TERM CONTRACTED:
APR/LEASE RATE: 4.9
MONTHLY PAYMENT:
ANNUAL INCOME: $175K
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY:  approved 1 week post Ch 13 discharge

What kind of car did you get? Humor me, I want to live vicariously though you.

Starting Scores: 
Current Scores:  
Message 2127 of 4,736
mAndrew1980
Established Contributor

Re: Auto Loan Approvals!

I'm buying a 2014 Jeep Cherokee soon. They offer 3.2% for 72 months (approximately $515/per month) with no money down. That is, assuming they accept me for premium financing. Is a best to secure financing from a non-dealership lender before I test drive the car? That way I can barter with the dealership regarding the financing they are offering? 

 

Also does anyone know who Jeep pulls? Not that it matters as my TU and EQ are basically the same.

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



Message 2128 of 4,736
RushXTC
Established Contributor

Re: Auto Loan Approvals!


@mAndrew1980 wrote:

I'm buying a 2014 Jeep Cherokee soon. They offer 3.2% for 72 months (approximately $515/per month) with no money down. That is, assuming they accept me for premium financing. Is a best to secure financing from a non-dealership lender before I test drive the car? That way I can barter with the dealership regarding the financing they are offering? 

 

Also does anyone know who Jeep pulls? Not that it matters as my TU and EQ are basically the same.


Chrysler Financial pulled TransUnion for me.

Message 2129 of 4,736
andrewc2
New Visitor

Re: Auto Loan Approvals!

APPROVING BANK: Pentagon Federal Credit Union (PenFed)
CREDIT SCORE: 776
CUSTOMER STATE OF RESIDENCE: PA

NEW/USED: Used
YEAR OF VEHICLE: 2006
MAKE: Mazda
MODEL: 3i
MILEAGE: 98600
RETAIL/LEASE: Retail $5365
AMOUNT OF LOAN: $3,000
TERM CONTRACTED: 36 months
APR/LEASE RATE: 0.99%
MONTHLY PAYMENT: $84.00

Message 2130 of 4,736
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