Auto Loan Approvals!

[Anonymous]

APPROVING BANK: NFCU Refinance from Chrysler Capital
BUREAU PULLED: Soft Pull Equifax
CREDIT SCORE: 778
CUSTOMER STATE OF RESIDENCE: AL
NEW/USED: Refinance Late Model
YEAR OF VEHICLE:2017
MAKE: RAM
MODEL: 3500 HD LONGHORN DUALLY
MILEAGE: 14500
AMOUNT OF LOAN: 65K
TERM CONTRACTED: 72
APR/LEASE RATE: 4.09%
MONTHLY PAYMENT: 1049
ANNUAL INCOME: 83000+
DEBT TO INCOME RATIO: 25
MISCELLANEOUS COMMENTARY: if I take 3.29% of 60 months, I would have to pay 1088. I am surprised I am getting SP for this. Instead of doing it on the phone I went to my local NFCU bank to speak with the loan officer face to face. It has been 2 days now and myfico alert only shows 0+, new inquiry on Equifax few hours after I was approved.
The first alert is saying I have a new inquiry.
The second alert, 2 days later it says 0+, no changes on my score. Thank you NFCU! I will apply for several preapproved cards from them next time after my mortgage loan with somebody else. On CreditKarma, FAKO I only dropped 1 point on Equifax from 735 to 734.  Whew!

[Brian_Earl_Spilner]

APPROVING BANK: Chase
BUREAU PULLED: TU and EX
CREDIT SCORE: Auto Loan Model v8 601, Auto FICO 3 589, Auto Loan Model v2 584
CUSTOMER STATE OF RESIDENCE: California
NEW/USED: New
YEAR OF VEHICLE: 2018
MAKE: Mazda
MODEL: 3 Hatchback Grand Touring
MILEAGE: 3
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $27,300
TERM CONTRACTED: 72 mos.
APR/LEASE RATE: 9.99%
MONTHLY PAYMENT: $506
ANNUAL INCOME: $62,000
DEBT TO INCOME RATIO: 18%
MISCELLANEOUS COMMENTARY: Aapplied through Mazda. Rate doesnt factor in that I have a Chase checking and savings which = 0.25% discount. Or that I will do auto payments from that account which = 0.25% discount.

[Anonymous]

APPROVING BANK: Capital One AF
BUREAU PULLED: All 3 pulled by both COAF and  the Dealership
CREDIT SCORE: 749 The dealership only showed EQ Auto score
CUSTOMER STATE OF RESIDENCE: Oregon
NEW/USED: New
YEAR OF VEHICLE: 2019
MAKE: Jeep
MODEL: Cherokee Lattitude Plus V6
MILEAGE: 28
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $23k 
TERM CONTRACTED: 72
APR/LEASE RATE: 5.13
MONTHLY PAYMENT: $385
ANNUAL INCOME:
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY:  $2500 down.  debt to income looks higher then it is because  I just sold my house and bought another so both mortgages are reporting and I had to make repairs to the house I sold all on credit cards so my utilization was 14%. Refi'd with NFCU 3.99% for 72 months.  Added NFCU GAP for $299. New payment is $378. Navy will deposit $200 to savings in 60 days.   I had to upload last 2 checkstubs and primary bank statement showing direct deposit. 

[Anonymous]

APPROVING BANK:  DCU
BUREAU PULLED: EQUIFAX
CREDIT SCORE: 648
CUSTOMER STATE OF RESIDENCE: CO
NEW/USED: NEW
YEAR OF VEHICLE: 2018
MAKE: HYUNDAI
MODEL: ELANTRA VALUE EDITION
MILEAGE: 70
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: APPROVED FOR 22K USED 18K
TERM CONTRACTED: 65 MONTHS
APR/LEASE RATE: 4.49%
MONTHLY PAYMENT: $313
ANNUAL INCOME: $55K
DEBT TO INCOME RATIO: 50%
MISCELLANEOUS COMMENTARY

[Anonymous]

APPROVING BANK:  MBFS
BUREAU PULLED:  EQ, TU
CREDIT SCORE:  797, 801
CUSTOMER STATE OF RESIDENCE:  TX
NEW/USED:  NEW
YEAR OF VEHICLE:  2018
MAKE:  MERCEDES BENZ
MODEL:  GLC 300
MILEAGE:  19
RETAIL/LEASE:  RETAIL
AMOUNT OF LOAN:  30K
TERM CONTRACTED:  72MO
APR/LEASE RATE:  3.69%
MONTHLY PAYMENT:  468**
ANNUAL INCOME:  210K
DEBT TO INCOME RATIO:  I don't know now
MISCELLANEOUS COMMENTARY:  First auto purchase under my name and not the parents.  Planning to keep this for as long as I could so I added all the maintenance/repair options offered.  That added a bit to the final price (otherwise my monthly would've been $375) but had a good downpayment and a $6000 Jetta trade-in. 

[MAZDA3]

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@Brian_Earl_Spilner wrote:

APPROVING BANK: Chase
BUREAU PULLED: TU and EX
CREDIT SCORE: Auto Loan Model v8 601, Auto FICO 3 589, Auto Loan Model v2 584
CUSTOMER STATE OF RESIDENCE: California
NEW/USED: New
YEAR OF VEHICLE: 2018
MAKE: Mazda
MODEL: 3 Hatchback Grand Touring
MILEAGE: 3
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $27,300
TERM CONTRACTED: 72 mos.
APR/LEASE RATE: 9.99%
MONTHLY PAYMENT: $506
ANNUAL INCOME: $62,000
DEBT TO INCOME RATIO: 18%
MISCELLANEOUS COMMENTARY: Aapplied through Mazda. Rate doesnt factor in that I have a Chase checking and savings which = 0.25% discount. Or that I will do auto payments from that account which = 0.25% discount.

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Welcome to Mazda. My 2017 Mazda 3 is one year old today. I recommend the Mazda rubber floormats. The cloth ones were cheap and do nothing to prevent water from getting on the carpet. 

[Anonymous]

APPROVING BANK: Alliant, DCU, Logix
BUREAU PULLED: Alliant: TU FICO9, DCU: EQ5, Logix: EX FICO9
CREDIT SCORE: FICO9: 712, EQ5: 677
CUSTOMER STATE OF RESIDENCE: MA
NEW/USED: Used
YEAR OF VEHICLE: 2015
MAKE: Nissan
MODEL: GTR Premium
MILEAGE: 16400
AMOUNT OF LOAN: $50000
TERM CONTRACTED: 60
APR/LEASE RATE: 3.49% (DCU, Logix), 3.74% (Alliant)
MONTHLY PAYMENT: $900
ANNUAL INCOME: $91000+
DEBT TO INCOME RATIO: <10%

[3se7ens]

APPROVING BANK: NFCU
BUREAU PULLED: Equifax
CREDIT SCORE: FICO5: 710
CUSTOMER STATE OF RESIDENCE: NY
NEW/USED: Used (MINT) One owner
YEAR OF VEHICLE: 2015
MAKE: Mercedes Benz
MODEL: ML 350 4MATIC
MILEAGE: 55000
AMOUNT OF LOAN: $27,799
TERM CONTRACTED: 60
APR: 6.29%
MONTHLY PAYMENT: $541
ANNUAL INCOME: $110,000
DEBT TO INCOME RATIO: 16%

I joined NFCU Sept.2017 during my credit rebuilding, and I must say I they're the best!
They approved me for this deal with NO MONEY DOWN!! 

[Anonymous]

APPROVING BANK:  Penfed
BUREAU PULLED:  EQ
CREDIT SCORE:  610 Fico 9
CUSTOMER STATE OF RESIDENCE:  OH
NEW/USED: New
YEAR OF VEHICLE: 2018 
MAKE: Chevy
MODEL:  Silverado 1500 Redline Edition
MILEAGE: 0
RETAIL/LEASE:  Retail
AMOUNT OF LOAN: $41,500
TERM CONTRACTED:  84
APR/LEASE RATE:  5.80
MONTHLY PAYMENT:  610
ANNUAL INCOME:  65000
DEBT TO INCOME RATIO:  30%
MISCELLANEOUS COMMENTARY:  Tried for refinance around 7 months post bk discharge and was declined.  I am now 1 year post discharge.  Fico's are EQ:  665  TU:  660  EX:  672

[Anonymous]

APPROVING BANK:  Penfed
BUREAU PULLED:  EQ
CREDIT SCORE:  610 Fico 9
CUSTOMER STATE OF RESIDENCE:  OH
NEW/USED: New
YEAR OF VEHICLE: 2018 
MAKE: Chevy
MODEL:  Silverado 1500 Redline Edition
MILEAGE: 0
RETAIL/LEASE:  Retail
AMOUNT OF LOAN: $41,500
TERM CONTRACTED:  84
APR/LEASE RATE:  5.80
MONTHLY PAYMENT:  610
ANNUAL INCOME:  65000
DEBT TO INCOME RATIO:  30%
MISCELLANEOUS COMMENTARY:  Tried for refinance around 7 months post bk discharge and was declined.  I am now 1 year post discharge.  Fico's are EQ:  665  TU:  660  EX:  672

UPDATE:  So I am waiting for my check to arrive and no check comes, call CSR and to my surprise the loan didn't go through becaue the CSR didnt put in the correct info.  I Do the whole process again making sure everything was correct and the loan approval came back with some changes.  They couldn't do 84 months, only 72, no big deal really.  But, on the reapproval they gave me a 5.5 APR instead of the 5.8 they originallly gave me.  Now my paymnet is $680 but I could'nt be happier with the APR considering I am 1 year post BK.