Auto Loan Approvals!

[Anonymous]

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@Anonymous wrote:

APPROVING BANK: NFCU
BUREAU PULLED: EQ 04
CREDIT SCORE: 658
CUSTOMER STATE OF RESIDENCE:AZ
NEW/USED: USED
YEAR OF VEHICLE: 2007
MAKE:Lexus
MODEL: LS
MILEAGE: 100K
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 16,000 (out the door)
TERM CONTRACTED: 60 months
APR/LEASE RATE: 7
MONTHLY PAYMENT: $319

Instant approval, No down. Ficos are all 700 +/- . Wanted specific car, older than criteria for most banks. But car is pristine with service records. Depreciation minimal at this point. Previous happy Lexus owner. Glorified Toyota. Effortless process. No GAP (year exceeded). Looks exactly the same. Happy with purchase

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Congrats, that's a lot of car for the money.  Take good care of it and keep it for the long haul and it will take good care of you.  

[Loquat]

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@Anonymous wrote:

APPROVING BANK: Capital One
BUREAU PULLED: Transunion
CREDIT SCORE:  731
CUSTOMER STATE OF RESIDENCE: UT
NEW/USED: New
YEAR OF VEHICLE: 2017
MAKE: Honda
MODEL: CRV EX-L
MILEAGE: 2
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $27,350 after $7,000 down
TERM CONTRACTED: 72 months
APR/LEASE RATE:  2.49% 
MONTHLY PAYMENT:  $428
ANNUAL INCOME: $60567
DEBT TO INCOME RATIO:  1%
MISCELLANEOUS COMMENTARY:  Had Capital One preapproval for 2.49%, Honda could "only" get 5% due to the new CRVs being so in demand. Only went $500 off MSRP, but I love the car. Was thinking of a Civic or Prius, but the new generation of CRVs is nice. Had just got off the truck and was the only EX-L they had. Needed to still be detailed before I drove it home.

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Congrats on your new CR-V.  I have to admit that I've never been a CR-V...that is until now.  The new 2017 is a head-turner.  Enjoy!

[mavric]

APPROVING BANK:  Assoc credit union
BUREAU PULLED:Equifax
CREDIT SCORE:695
CUSTOMER STATE OF RESIDENCE:  GA
NEW/USED:  CPO
YEAR OF VEHICLE:   2016
MAKE: NISSAN
MODEL:  Altima 2.5s
MILEAGE:   8    Thats right 8 miles on a CPO
RETAIL/LEASE:  Retail
AMOUNT OF LOAN:    $15,588.00
TERM CONTRACTED:  48
APR/LEASE RATE:  3.49%
MONTHLY PAYMENT:  $356
ANNUAL INCOME:  115,000.00
DEBT TO INCOME RATIO:  low ?
MISCELLANEOUS COMMENTARY:  This was a 2016 new car that the dealer took title on and never used. Dealer had 5 of these cars.

   7yr /100,000 mile warranty on a new car.

     We traded 2010 altima with 148,000 miles and got $3000 for down payment    BTW ...this is the 2nd car bought after CH 13 discharge 17 days ago.

[Anonymous]

APPROVING BANK: PSECU
BUREAU PULLED: Experian
CREDIT SCORE: 588
CUSTOMER STATE OF RESIDENCE: PA
NEW/USED: Used
YEAR OF VEHICLE: 2012
MAKE: Jeep
MODEL: Wrangler Unlimited
MILEAGE: 67,700
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 24,950
TERM CONTRACTED: 72 months
APR/LEASE RATE: 3.2%
MONTHLY PAYMENT: 365
ANNUAL INCOME: 40,000
DEBT TO INCOME RATIO: 10%
MISCELLANEOUS COMMENTARY: Still in shock that I got approved, being that sub prime lenders wouldn't even give me a second glance. Very shotty, but LONG credit history and a low, low score. I was expecting at least 10% and the dealer came back with 3.2% and a monthly payment WELL under my budget. Thanking my lucky stars. Totally life changing experience and proof that it sometimes pays off to take a leap of faith.

[Anonymous]

Your right. My previous experience with Lexus is that they are way ahead of their time. Some find boring but I think they are great cars. Engines that last 300k with proper maintenance appeal to me. And the electronics last too. So pretty happy so far.

[Anonymous]

APPROVING BANK: Chrysler Capital
BUREAU PULLED: Experian
CREDIT SCORE: 643
CUSTOMER STATE OF RESIDENCE: NV
NEW/USED: New
YEAR OF VEHICLE: 2017
MAKE: Dodge
MODEL: Challenger Scat Pack
MILEAGE: 15
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 41,857
TERM CONTRACTED: 72 months
APR/LEASE RATE: 5.9%
MONTHLY PAYMENT: 746
ANNUAL INCOME: 120,000
DEBT TO INCOME RATIO: 10%

[Anonymous]

Awesome approval!  Congrats on that rate.

[Anonymous]

Thank you! Surprised me to be honest but got lucky and came in during the right time with a promo rate

[Anonymous]

I bought the same car, similar money loan but went with Penfed.  Got 3.24% for 72.  You should really try to refi that loan.