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@Anonymous wrote:
@ Marty - haven’t actually been in a branch yet....but that’s on the other side of town from us. Bought @ MB of Boerne, they can pull your approval directly from RBFCU and do all paperwork so you can avoid a trip to the branch...it was great! We got the dark Grey & Black Napa leather with Cream insets in seats. She’s a beauty! My E550 was nice, but this one is far superior.
Thank you for the tip. I will do that when I am ready to buy.
APPROVING BANK: Ally
BUREAU PULLED: TU Auto 8, Equifax and Experian
CREDIT SCORE: 686 TU/ 679 Experian/ Equifax 675
CUSTOMER STATE OF RESIDENCE: Missouri
NEW/USED: Used
YEAR OF VEHICLE: 2017
MAKE: KIA
MODEL: Sorento LX
MILEAGE:14,390
RETAIL/LEASE:Retail
AMOUNT OF LOAN: $19480
TERM CONTRACTED:63
APR/LEASE RATE:3.99
MONTHLY PAYMENT:$ 343.79
ANNUAL INCOME:80k
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY: Worked hard to raise Credit scores. I did not buy GAP ..Can I buy GAP as a stand alone product?
Tigremalo2001, You can check with your insurance company to see if they offer GAP protection. Many insurance companies do, such as State Farm, and I think Progressive/Geico do as well.
APPROVING BANK: Chrysler Capital
BUREAU PULLED: All Three- Auto 8 I beileve
CREDIT SCORE: 610 Mine 658 Wife
CUSTOMER STATE OF RESIDENCE: Nevada
NEW/USED: New
YEAR OF VEHICLE: 2017
MAKE: Ram
MODEL: 1500 Crew Cab Big Horn
MILEAGE: 22
RETAIL/LEASE:Retail Sticker $51k
AMOUNT OF LOAN: $37k Out the door
TERM CONTRACTED:75
APR/LEASE RATE: 8.6
MONTHLY PAYMENT:$ 651
ANNUAL INCOME:78k
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY: Previous auto repo with CH7 BK (unforseen financial hardship) Filed Oct 2016 Discharged Feb 2017, rebuilding since then including small joint auto loan on wifes car. Had trade with positive equitity plus cash down
@Dragen wrote:
APPROVING BANK: KIA Financial
BUREAU PULLED: Transunion/Equifax
CREDIT SCORE: 800/824
CUSTOMER STATE OF RESIDENCE: Tx
NEW/USED: NEW
YEAR OF VEHICLE: 2018
MAKE: Kia
MODEL: Stinger GT2
MILEAGE: 12
RETAIL/LEASE: Lease
AMOUNT OF LOAN: 47k
TERM CONTRACTED: 36 mos
APR/LEASE RATE: .00181
MONTHLY PAYMENT: 667
ANNUAL INCOME: 72k
DEBT TO INCOME RATIO: 9%
MISCELLANEOUS COMMENTARY: Been waiting for this car since it was unveiled in January at the Detroit show. It was the first Stinger off the truck, leased it sight unseen and with no test drive. The car is great but the leasing experience sucked because of the shady dealer. First, even though they don't even use Transunion, they pulled it, since they couldn't access my Equifax, which is locked due to the breach. Once I got to finance, they told me they needed to run Equifax too, since that's who Kia uses, so now I'm stuck with an extra, pointless inquiry.
Then once I'm in the office and signing the contract, I see extras that I specifically declined are still in the MSRP. I was ready to walk, since I'm not paying for BS nitrogen air or "paint protection" or theft guard; my salesman was called in and he fixed it at the last minute though.
As for the lease, I know I probably overpaid; that payment could lease a BMW or Audi. Kia is currently offering $6100 lease cash and 0.00181 for tier 1/2 buyers though, so that took some of the 'sting' out of it.
UPDATING MY POST; LEASE HAS BEEN BOUGHT OUT:
APPROVING BANK: PENFED
BUREAU PULLED: EQUIFAX
CREDIT SCORE: NOT SURE WHICH VERSION OF EQ THEY PULLED, BUT SCORE WOULD HAVE BEEN 800+
CUSTOMER STATE OF RESIDENCE: TX
NEW/USED: NEW
YEAR OF VEHICLE: 2018
MAKE: Kia
MODEL: Stinger GT2
MILEAGE: 500
RETAIL/LEASE: RETAIL (PAYMENT SAVER PLAN)
AMOUNT OF LOAN: ~45K
TERM CONTRACTED: 60 mos
APR/LEASE RATE: 2.49
MONTHLY PAYMENT: 529
ANNUAL INCOME: 72k
DEBT TO INCOME RATIO: 9%
MISCELLANEOUS COMMENTARY: TRYING TO CUT MONTHLY COSTS DUE TO CHANGES COMING NEXT YEAR, SO I DECIDED TO BUYOUT MY LEASE TO LOWER PAYMENTS; SWITCHING TO PENFED'S PAYMENT SAVER (BALLOON NOTE) PLAN WILL SAVE ME ALMOST $140 MONTHLY.
APPROVING BANK: NFCU
BUREAU PULLED: EQ
CREDIT SCORE: 776
CUSTOMER STATE OF RESIDENCE: Texas
NEW/USED: New
YEAR OF VEHICLE: 2018
MAKE: Audi
MODEL: SQ5 Prestige
MILEAGE: 24 miles
RETAIL/LEASE: Retail
AMOUNT OF LOAN: ~$51,000
TERM CONTRACTED: 48 months
APR/LEASE RATE: 2.69%
MONTHLY PAYMENT: ~$1100
ANNUAL INCOME: $200k
DEBT TO INCOME RATIO: 3%
MISCELLANEOUS COMMENTARY: Was not needed but put $10k down ($5k via credit card which was highest they were willing to go for a new customer and $5k cash) on the car to get the ball rolling on paying it off.
APPROVING BANK: VW Credit
BUREAU PULLED: EX, EQ, TU
CREDIT SCORE: 698 EQ Beacon 05, 705 EX Auto 03, 716 TU Auto 04
CUSTOMER STATE OF RESIDENCE: NV
NEW/USED: New
YEAR OF VEHICLE: 2018
MAKE: Audi
MODEL: S5 Cabriolet, Presteige trim
MILEAGE: 55
RETAIL/LEASE: Lease
AMOUNT OF LOAN: 41747.40
TERM CONTRACTED: 36 months
APR/LEASE RATE: Money factor converts to 4.9%
MONTHLY PAYMENT: 1159.65
ANNUAL INCOME: 90K (without 7.5% annual bonus)
DEBT TO INCOME RATIO: ~21%
MISCELLANEOUS COMMENTARY: I traded in my 2015 Audi Q3 that was coming off lease, as well as my 2012 VW Eos convertible, which lost about $6K in value because of an auto accident I am still negotiating a settlement on. Wiped out the negative equity with $4,500 cash and owner loyalty, as well as negotiating 6K off the MSRP. Option to buy this gorgeous car at the end of the lease in 36 months is $43K, but I'm not sure what I'm going to do in three years. Originally I was going to buy my Q3 after the lease ended, but the accident with the VW threw a wrench into that plan. I love convertibles, so I combined the best of AWD + drop top fun
My DTI will go down as well, since this lease payment is less than the lease + loan on my other two vehicles.
I haven't had a chance to get good photos yet, but here's one I took yesterday: