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APPROVING BANK: Chase
BUREAU PULLED: TransUnion
CREDIT SCORE: 778 mine/712 Wife's
CUSTOMER STATE OF RESIDENCE: IN
NEW/USED: New
YEAR OF VEHICLE:2018
MAKE: Mazda
MODEL: CX-5 Touring
MILEAGE: 91
RETAIL/LEASE: 28100
AMOUNT OF LOAN: 33000
TERM CONTRACTED: 63
APR/LEASE RATE: 0%
MONTHLY PAYMENT: 540
ANNUAL INCOME: 117500 (COMBINED)
DEBT TO INCOME RATIO: 33
MISCELLANEOUS COMMENTARY: Completely unexpected as my wife's car's brakes went out and it was an 07. No money down (as we planned to save up for next year.) No trade in as we will sell the old vehicle privately.
APPROVING BANK: JP Morgan Chase
BUREAU PULLED: Equifax
CREDIT SCORE: 682
CUSTOMER STATE OF RESIDENCE: FL
NEW/USED: Used
YEAR OF VEHICLE: 2013
MAKE: Honda
MODEL: CR-V
MILEAGE: 38,126
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $18,792
TERM CONTRACTED: 72 months
APR/LEASE RATE: 7.59%
MONTHLY PAYMENT: $326.75
ANNUAL INCOME: $50,000
DEBT TO INCOME RATIO: Unknown
MISCELLANEOUS COMMENTARY: Went to my local Toyota for an oil change on my '08 Matrix @ 74k mi. Started browsing to kill time and saw this beauty... One owner, leather, bluetooth, backup camera, looked like it just came off of the line. Fiance is taking a new job farther away from home so getting a second car was timely. Had no documents on me except my id's so 7.59% was the best offer I could get, 5.99% with proof of income which would have taken at least another week with my schedule. Got a 6 year service contract (pretty much bumper-to-bumper), theft insurance and identity protection, and Gap. Put 2k down. I'm VERY happy!
DW was approved as follows"
2018 Wrangler S Sport
Price 42,000 plus tax
Miles 7
Amount Financed 35,000
Term 60 months
Navy Federal
Rate 2.99%
Payments are over $600
But we will selling her old Jeep and refi in next 60 days reducing payments to $400
We will pick up new Jeep probably next Monday
Dealership 130ish miles away
Score 750 -760 range
APPROVING BANK: Ford Credit
BUREAU PULLED: All Three
CREDIT SCORE: Averaged 820 between all three credit bureaus
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: NEW
YEAR OF VEHICLE: 2016
MAKE: Ford
MODEL: Mustang GT (fully loaded and included extended warranty and gap insurance)
MILEAGE: 1
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $48,000
TERM CONTRACTED: 5 Years
APR/LEASE RATE: 0% APR
MONTHLY PAYMENT: $815
ANNUAL INCOME: Above $90K
DEBT TO INCOME RATIO: Low
MISCELLANEOUS COMMENTARY:
APPROVING BANK: Blinker Direct, LLC
BUREAU PULLED: Experian
CREDIT SCORE: 614 according to Experian
CUSTOMER STATE OF RESIDENCE: TX
NEW/USED: Refinance
YEAR OF VEHICLE: 2012
MAKE: Toyota
MODEL: Sienna
MILEAGE: 114,400
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 16,873
TERM CONTRACTED: 3 years, 8 months
APR/LEASE RATE: 7.89%
MONTHLY PAYMENT: $450
MISCELLANEOUS COMMENTARY: BK discharged 2.5 weeks ago. Lowered rate from 18.9 and term by 13 months. Payment went up $14 a month. Well worth it!
APPROVING BANK: DCU
BUREAU PULLED: Equifax 5
CREDIT SCORE: 701
CUSTOMER STATE OF RESIDENCE: GA
NEW/USED: NEW
YEAR OF VEHICLE: 2018
MAKE: Toyota
MODEL: Camry XSE (with panaramic roof)
MILEAGE: 17
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $23, 900 (Had a $2500 trade in value)
TERM CONTRACTED: 65 months
APR/LEASE RATE: 2.74% APR
MONTHLY PAYMENT: $397
ANNUAL INCOME: $60K
DEBT TO INCOME RATIO: Low
MISCELLANEOUS COMMENTARY:
This was my first solo auto loan! Very proud!
@Washin17 wrote:APPROVING BANK: DCU
BUREAU PULLED: Equifax 5
CREDIT SCORE: 701
CUSTOMER STATE OF RESIDENCE: GA
NEW/USED: NEW
YEAR OF VEHICLE: 2018
MAKE: Toyota
MODEL: Camry XSE (with panaramic roof)
MILEAGE: 17
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $23, 900 (Had a $2500 trade in value)
TERM CONTRACTED: 65 months
APR/LEASE RATE: 2.74% APR
MONTHLY PAYMENT: $397
ANNUAL INCOME: $60K
DEBT TO INCOME RATIO: Low
MISCELLANEOUS COMMENTARY:
This was my first solo auto loan! Very proud!
Congrats on your new ride. The new Camry is pretty slick...they're starting to look more and more like a Lexus...
APPROVING BANK: PenFed
BUREAU PULLED: EQ
CREDIT SCORE: Fico Auto Score 9: 637 Fico Score 8: 601
CUSTOMER STATE OF RESIDENCE: IL
NEW/USED: Used
YEAR OF VEHICLE: 2014
MAKE: Dodge
MODEL: Ram 1500 Big Horn
MILEAGE: 41000
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $25000
TERM CONTRACTED: 72mo
APR/LEASE RATE: 6.8%
MONTHLY PAYMENT: $426
ANNUAL INCOME: $113k
DEBT TO INCOME RATIO: 10%
MISCELLANEOUS COMMENTARY: I love Pen Fed!
APPROVING BANK: Bethpage
BUREAU PULLED: Experian
CREDIT SCORE: 701 (MyFico said 686 the day I applied)
CUSTOMER STATE OF RESIDENCE: MD
NEW/USED: USED
YEAR OF VEHICLE: 2013
MAKE: BMW
MODEL: 750Li
MILEAGE: 68720
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $20539.00
TERM CONTRACTED: 60 months
APR/LEASE RATE: 7.49
MONTHLY PAYMENT: 411.16
ANNUAL INCOME: $92,500.00
DEBT TO INCOME RATIO: 14%
MISCELLANEOUS COMMENTARY: My credit score generated April 1st, I applied and was approved April 3rd. Initially was denied because of short credit history, reconned and they offered a 1st time buyer program. GREAT customer service; if you are rebuilding/new to credit and want to avoid predatory lenders I HIGHLY recommend BethPage.