Auto Loan Approvals!

[Anonymous]

APPROVING BANK: PenFed
BUREAU PULLED: EQ
CREDIT SCORE: 682 when they pulled on 1/15/18
Edit: 731 when i received the paper saying they ran my credit.
CUSTOMER STATE OF RESIDENCE: Indiana
NEW/USED: Used
YEAR OF VEHICLE: 2006
MAKE: Bentley
MODEL: Continental GT
MILEAGE: Anything below 56,xxx
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $46,000 including 3 yr warranty.
TERM CONTRACTED: 60
APR/LEASE RATE: 3.99
MONTHLY PAYMENT: N/A
ANNUAL INCOME: $90,000-$113,000
DEBT TO INCOME RATIO: Never paid it any attention. But it's low.
MISCELLANEOUS COMMENTARY: Have 4 cars in mind nationwide. The one I really want is not budging off the price but it's been on the lot for 100 days. He's willing to sell it off at an auction then to come down a little/meet me in the middle. Going to call back and see if I can get a Hold of another sales person. If not then I'll go with my #2.

[Anonymous]

APPROVING BANK: Capital One
BUREAU PULLED: TU Auto 8, Equifax
CREDIT SCORE: 583 TU/ 632 Equifax
CUSTOMER STATE OF RESIDENCE: Ohio
NEW/USED: Used 
YEAR OF VEHICLE: 2008
MAKE: BMW
MODEL: 535xiT
MILEAGE:94281
RETAIL/LEASE:Retail

AMOUNT OF LOAN: $9970
TERM CONTRACTED:60
APR/LEASE RATE:16.99
MONTHLY PAYMENT:$ 249.59
ANNUAL INCOME:51k
DEBT TO INCOME RATIO:22%

DATE OF PURCHASE: 1/23/18
MISCELLANEOUS COMMENTARY: Filed BK7 7/17, Discharged 11/17.  Opened CreditOne card 10/17 after my 341 mtg.  Since then have opened DiscoverIT Secured, First Premier, this car loan, and 2 days after closing the deal on this Cap1 prequal'd me for a QS1 w/$1k SL.  Have kept revolving balances between 5 and 30%.
Previously burned Cap1 for $1800
2 Previous Repo's through BMW FS

Current score via CreditWise~646...Discover says 596.

[Anonymous]

APPROVING BANK: Wells Fargo
BUREAU PULLED: Experian
CREDIT SCORE: 532
CUSTOMER STATE OF RESIDENCE: MD
NEW/USED: New
YEAR OF VEHICLE: 2018
MAKE: Ford
MODEL: Raptor
MILEAGE: 0
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 75k
TERM CONTRACTED: 75mo
APR/LEASE RATE: 5%
MONTHLY PAYMENT: $1150.00
ANNUAL INCOME: $225k
DEBT TO INCOME RATIO: 9%
MISCELLANEOUS COMMENTARY: I had a cosigner that had a 780 credit score, 19% ratio, and makes 65k. It was a fight to get approved by the finance manager, John, at Uniontown Ford in PA didn't take no for an answer. I was fully declined and he started making calls to get the job done. Within 2 days, I went from having 3 declines to 2 approvals. 2 out of 3 isn't bad! Thank god that there's still people in this world that work hard and want to do the best they can at their jobs!

[Anonymous]

APPROVING BANK: Chase (Mazda)
BUREAU PULLED: TU Auto
CREDIT SCORE: - 801
CUSTOMER STATE OF RESIDENCE: MA
NEW/USED: New
YEAR OF VEHICLE: 2017
MAKE: Mazda
MODEL: CX5
MILEAGE: 3
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $31700
TERM CONTRACTED: 72 mos
APR/LEASE RATE: 1.9
MONTHLY PAYMENT: $498
ANNUAL INCOME: $120k+
DEBT TO INCOME RATIO:  low 20's
MISCELLANEOUS COMMENTARY: $2k down - the 1.9 was a better deal than the $750 incentive.  Planned to buy later in the year but once I started looking, I couldnt resist.  Very fun to drive!
Updated once we signed the lian docs. Added gap insurance as well.

[Anonymous]

APPROVING BANK: Carvana
BUREAU PULLED: EX
CREDIT SCORE: 681 (vantage score is what they used)
CUSTOMER STATE OF RESIDENCE: Florida
NEW/USED: Used
YEAR OF VEHICLE: 2014
MAKE: BMW
MODEL: 328i
MILEAGE: 21,101
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $26,792 including 3 yr warranty and gap
TERM CONTRACTED: 72
APR/LEASE RATE: 7.58%
MONTHLY PAYMENT:  $450
ANNUAL INCOME: $85,000
MISCELLANEOUS COMMENTARY: Approved 1 day before ch 7 bankruptcy discharge

[Client9]

APPROVING BANK: Lexus Financial
BUREAU PULLED: EQ
CREDIT SCORE: 779
CUSTOMER STATE OF RESIDENCE: Washington
NEW/USED: Used
YEAR OF VEHICLE: 2013
MAKE: Lexus
MODEL: ES350
MILEAGE: 42,500
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $22000 including 2 yr/Unlimited mile L-Certified warranty.
TERM CONTRACTED: 60
APR/LEASE RATE: .9
MONTHLY PAYMENT: $400
ANNUAL INCOME: $50-60K
MISCELLANEOUS COMMENTARY: Got rid of my 1999 Acura 3.0CL with 288K miles.  It was time.  I get the next four services since it is L Certified. The Lexus dealer also did the front and rear brakes and 40K service along with replacing the tire pressure monitoring system.

[Chickenpotpie]

APPROVING BANK: VW Credit
BUREAU PULLED: TU and EX
CREDIT SCORE: - 832 / 850
CUSTOMER STATE OF RESIDENCE: FL
NEW/USED: New
YEAR OF VEHICLE: 2018
MAKE: Volkswagon
MODEL: GTI

TRIM: Autobahn
MILEAGE: 5
RETAIL/LEASE: Lease
AMOUNT OF LOAN: 33642.80
TERM CONTRACTED: 36 mos

MILEAGE: 7500/year
MONEYFACTOR: .00150
MONTHLY PAYMENT: $445
ANNUAL INCOME: $145k

My lease was up on my other car, and as much as I loved my CMax, Ford kinda sucks.  I wasn't interested in buying the CMax , and this was their last model year anyway.   In my state there wasn't a lot of good options for hybrids (tried the Kia Niro, it was a mom mobile...lol  of course my mom was offended when I said that!) I figured if I had to get a straight gas car, it would be something fun.  BMW X1 was on the list but too expensive for what it was and bigger than I was leaving (which I did not want!)

These are horrible leasing cars, even the sales person was upfront about that, which is why the bad MF.  I'm ok with what I got considering.  And my insurance went down which makes me happy. And the good, I don't really drive a lot, so the lowest tier miles works for me.  also, not as much money down.

I also didn't know that VW wants to pull  all three.  My reports were locked, so they took what I could get open.  EQ is a pain in rear to unlock.

[Loquat]

APPROVING BANK: PenFed CU
BUREAU PULLED: EQ
CREDIT SCORE: 752
CUSTOMER STATE OF RESIDENCE: MO
NEW/USED: New
YEAR OF VEHICLE: 2018
MAKE: Dodge
MODEL: Charger R/T Scat Pack
MILEAGE: 11
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $21,783 (traded in '17 Focus ST that was paid off)
TERM CONTRACTED: 48 MO
APR/LEASE RATE: 2.4%
MONTHLY PAYMENT: $476.32
ANNUAL INCOME: $71K
DEBT TO INCOME RATIO: 
MISCELLANEOUS COMMENTARY: Replaced my '17 Focus ST (purchased Sept 2017) with this one here.  I loved the ST but recently changed shifts at work which now puts me in the morning commute.  I'm an RN and had the opportunity to switch from the ER to  the ICU but part of the change was moving to a 7a-7p shift.  My clutch leg REALLY hates the morning commute.  Had to ditch the manual tranny for now.  Really liking the Charger though...not sure my neighbors feel the same way.  It's LOUD in the morning...the cold start rumble of the exhaust can easily be heard.  But it's fun tooling around in a 485HP sedan...a big bump from the 252 in the ST.  Off today and my first stop is to the tint shop and then to the aftermarket shop to delete the mid mufflers so it's going to get a wee-bit louder but it's the only way to drive an R/T right?   

[Anonymous]

APPROVING BANK: Rolls Royce FInancial Services (same as BMWFS) 
BUREAU PULLED: All 3. Trans Union (used), Experian (blocked), Equifax (blocked) 
CREDIT SCORE: 736 Real FICO 8 (not Auto Fico) 
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: CPO Used
YEAR OF VEHICLE: 2011
MAKE: Rolls Royce
MODEL: Ghost
MILEAGE: 27,600
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $148,000 (traded in '13 740LXi $14,000 upside down & rolled it over)
TERM CONTRACTED: 72 MO
APR/LEASE RATE: 2.9% Platinum Elite Tier
MONTHLY PAYMENT: $2,300
ANNUAL INCOME: $187K + $11K + $9K
DEBT TO INCOME RATIO: Very Low, Now 28% including 4k rent
MISCELLANEOUS COMMENTARY: 24 years old, put $20,000 cash down (courtesy of BMW USA for a recall gone wrong in my 5 series). Experian and Equifax were blocked for fraud and a pending FCRA lawsuit. The finance director for the dealer said "I am tired of dealing with kids and computers" and called the CEO of BMW Financial to get an approval on my loan. Apparently that's not uncommon for Rolls Royce deals. The blocks were preventing me from getting approved automatically because their computers want to compare all 3 reports and pick the highest score. Will be picking up next week, very happy! 

[CA4Closure]

APPROVING BANK: Ford Motor Credit
BUREAU PULLED: Equifax
CREDIT SCORE: 786
CUSTOMER STATE OF RESIDENCE: California
NEW/USED: New
YEAR OF VEHICLE: 2018
MAKE: Ford
MODEL: Escape Titanium 2.0 Eco-Boost Engine
MILEAGE: 71
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $25,500
TERM CONTRACTED: 60 Months
APR/LEASE RATE: 0%
MONTHLY PAYMENT: $425
ANNUAL INCOME: $152,000
DEBT TO INCOME RATIO: 1%
MISCELLANEOUS COMMENTARY: