No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
APPROVING BANK: Chase
BUREAU PULLED: TransUnion
CREDIT SCORE: 705
SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: MD
NEW/USED: New
YEAR OF VEHICLE: 2019
MAKE: Subaru
MODEL: Crosstrek
MILEAGE: 6
FINANCE/LEASE: Finance
PURCHASE PRICE: 30k
AMOUNT OF LOAN: 28k
TERM CONTRACTED: 72 mths
APR/LEASE RATE: 4.89% (they told me this was the best rate they are currently offering on the Crosstrek for 72 mths)
MONTHLY PAYMENT: $450
ANNUAL INCOME: 52k
DEBT TO INCOME RATIO: 17%
MISCELLANEOUS COMMENTARY:
APPROVING BANK: US Bank
BUREAU PULLED: EQ
CREDIT SCORE: 779
SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: NY
NEW/USED:NEW
YEAR OF VEHICLE:2019
MAKE: Jeep
MODEL: Compass Limited 4x4
MILEAGE: 1
FINANCE/LEASE: Lease
PURCHASE PRICE:30,069
AMOUNT OF LOAN:
TERM CONTRACTED:39
APR/LEASE RATE: N/A
MONTHLY PAYMENT:300.65
ANNUAL INCOME:
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY: Got a good deal considering there were no Compass lease specials, payment from my civic went up only 20 bucks, credit was horrible 3 years ago. Pulled ahead 6 months.
I guess the catch is i have to have a direct deposit to them to get the 4.49 percent rate instead of 4.99 I guess i got a good roll in my favor lol. I have made all my payments a head and now i am pre approved for there lowest rate on my next auto loan of 2.49. Sort of a hassle to deal with them since they are on the east coast, but overall worth it. Wont be looking for another vehicle for at least 3-6 months, in process of buying a house right now.
Came in to add my preapproval as of 10/5; Good for 60 days; Might also try Tampa FCU and possibly DCU.
APPROVING BANK: Bethpage FCU
BUREAU PULLED: EX AUTO 8
CREDIT SCORE: 814 (Was told top tier is 730+)
SOFT PULL/HARD PULL: Hard pull
CUSTOMER STATE OF RESIDENCE: NY
NEW/USED: UNKNOWN
YEAR OF VEHICLE: UNKNOWN
MAKE: UNKNOWN
MODEL: UNKNOWN
MILEAGE: ~
FINANCE/LEASE: Finance
PURCHASE PRICE: ~
AMOUNT OF LOAN: 75,000
TERM CONTRACTED: Undecided, was told I qualified for the lowest APR rates across the board.
APR/LEASE RATE: Will vary by term. Lowest possible for new car at 60 months is 2.74%. Max APR for used is 3.59% for 84 months
1st payment not due for 90 days
MONTHLY PAYMENT: ~
ANNUAL INCOME: 117,000
MISCELLANEOUS COMMENTARY: DTI 0.3%
APPROVING BANK: PenFed
BUREAU PULLED: EQ
CREDIT SCORE: 747
SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: Oregon
NEW/USED: Used
YEAR OF VEHICLE: 2008
MAKE: Chevrolet
MODEL: Silverado
MILEAGE: 155,000
FINANCE/LEASE: Finance
PURCHASE PRICE: $12k
AMOUNT OF LOAN: $12k
TERM CONTRACTED: 48
APR/LEASE RATE: 3.74
MONTHLY PAYMENT: $256
ANNUAL INCOME: <100k
DEBT TO INCOME RATIO: 20%
MISCELLANEOUS COMMENTARY: I was suprised that I was able to get a used auto loan at a low rate considering the age of and mileage on the vehicle. I recently traded in my 2017 Silverado on a new SUV so now I have 2 vehicles and 2 loans.
APPROVING BANK: Alliant Credit Union
BUREAU PULLED: Transunion
CREDIT SCORE: 821
SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: Illinois
NEW/USED: New
YEAR OF VEHICLE: 2019
MAKE: Ford
MODEL: Edge ST
MILEAGE: 10
FINANCE/LEASE: Financed
PURCHASE PRICE: 47k
AMOUNT OF LOAN: 25k
TERM CONTRACTED: 60 Months
APR/LEASE RATE: 3.24
MONTHLY PAYMENT: $490
ANNUAL INCOME:
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY:
APPROVING BANK: VW Credit
BUREAU PULLED: TransUnion
CREDIT SCORE: 750
SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: Arizona
NEW/USED: New
YEAR OF VEHICLE: 2019
MAKE: Volkswagen
MODEL: S
MILEAGE: 18
FINANCE/LEASE: Financed
PURCHASE PRICE: 19800
AMOUNT OF LOAN: 22000
TERM CONTRACTED: 72
APR/LEASE RATE: 6.4
MONTHLY PAYMENT: 350
ANNUAL INCOME: 60,000
DEBT TO INCOME RATIO: NA
Yes, I've been a customer of Capital One for about 4 years now. I could've gotten a lower rate if I decided to go with a shorter term. Feel free to read more about here. https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Harmony12-Rebuilding-Journey/td-p/5365480
UPDATE: I also have some things listed here. https://ficoforums.myfico.com/t5/Auto-Loans/Recent-grad-wants-NMAC/m-p/5279786