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wow you spent $7k in F&I backend products...you are seriously the F&I BFF...
@Anonymous wrote:APPROVING BANK: Mercedes Benz Financial
BUREAU PULLED: TU FICO Auto 8
CREDIT SCORE: 708SOFT PULL/HARD PULL: Hard Pull
CUSTOMER STATE OF RESIDENCE: NY
NEW/USED: Used
YEAR OF VEHICLE: 2016
MAKE: Mercedes Benz
MODEL: C300 Sport
MILEAGE: 19,956
FINANCE/LEASE: FinancePURCHASE PRICE: $38,027
AMOUNT OF LOAN: $23,677
TERM CONTRACTED: 72 mos.
APR/LEASE RATE: 3.99%
MONTHLY PAYMENT: $370.93
ANNUAL INCOME: $144,500
DEBT TO INCOME RATIO: 30%
MISCELLANEOUS COMMENTARY: Downpayment = $16,995. Purchase price includes extras like extended warranty, road hazard and key replacement. Car price without extras $30,926. MB offers refund of any portion of extended warranty not used in case of trade-in early.
APPROVING BANK: Mercedes Benz Financial Services
BUREAU PULLED: TU FICO Auto 8
CREDIT SCORE: 741
SOFT PULL/HARD PULL: HP
CUSTOMER STATE OF RESIDENCE: Northern California
NEW/USED: Certified Pre-Owned
YEAR OF VEHICLE: 2016
MAKE: Mercedes Benz
MODEL: GLE350 4Matic
MILEAGE: 39,940
FINANCE/LEASE: Finance
PURCHASE PRICE: $37,238
AMOUNT OF LOAN: $42,447
TERM CONTRACTED: 48 months
APR/LEASE RATE: 1.99%
MONTHLY PAYMENT: $920
ANNUAL INCOME: $405K
DEBT TO INCOME RATIO: 16%
MISCELLANEOUS COMMENTARY: Traded in my 2012 Mercedes ML350 BlueTec (Value: $14,500, loan payoff: $17,375). Additional downpayment of $4,000. Loan includes 2-years Extended Warranty (MSRP $3,495; paid $2,800).
APPROVING BANK: Ford Motor Credit
BUREAU PULLED: FICO Auto 8 scores (all)
CREDIT SCORE: TU: 762; EX: 722; EQ: 751
SOFT PULL/HARD PULL: HP
CUSTOMER STATE OF RESIDENCE: Northern California
NEW/USED: New
YEAR OF VEHICLE: 2018
MAKE: Ford
MODEL: F150 Lariat Crew Cab 4x4
MILEAGE: 26
FINANCE/LEASE: Finance
PURCHASE PRICE: $44,495
AMOUNT OF LOAN: $48,785
TERM CONTRACTED: 72 months
APR/LEASE RATE: 0.0%
MONTHLY PAYMENT: $677
ANNUAL INCOME: $405K
DEBT TO INCOME RATIO: 16%
MISCELLANEOUS COMMENTARY: MSRP = $52,995. Ford dealer willing to bend over backwards on the last day of the year! Got discounts, rebates, and 0% APR through Ford Credit. My local dealer wasn't willing to negotiate; told me I'd never get both Ford rebates and 0% APR. I went to another dealer 30 miles away, where they proved far more flexible and interested in making a deal.
APPROVING BANK: Subaru Financial (Chase)
BUREAU PULLED: TU (Auto 9)
CREDIT SCORE: 788
SOFT PULL/HARD PULL: Hard (4 inq's= 1 from Chase + 1 from dealership for online pre-approval and & 1 from dealership + 1 from Chase for final purchase financing)
CUSTOMER STATE OF RESIDENCE: New York
NEW/USED: New
YEAR OF VEHICLE: 2019
MAKE: Subaru
MODEL: WRX
MILEAGE: 6
FINANCE/LEASE: Finance
PURCHASE PRICE: $33,673
AMOUNT OF LOAN: $29,618
TERM CONTRACTED: 72 months
APR/LEASE RATE: 1.9%
MONTHLY PAYMENT: $437
ANNUAL INCOME: $45,000
DEBT TO INCOME RATIO: 2%
MISCELLANEOUS COMMENTARY: Couldn't pass up the 1.9% finance rate...My 2008 LLBean Outback was on the verge of robbing me blind and losing value, time to trade and go back to a WRX :-)
APPROVING BANK: Capital One
BUREAU PULLED: Experian
CREDIT SCORE: 527
SOFT PULL/HARD PULL: Hard Pull
CUSTOMER STATE OF RESIDENCE: California
NEW/USED: Used
YEAR OF VEHICLE: 2015
MAKE: Acura
MODEL: TLX
MILEAGE: 34,561
FINANCE/LEASE: Finance
PURCHASE PRICE: $19,000
AMOUNT OF LOAN: $20,297
TERM CONTRACTED: 72 months
APR/LEASE RATE: 14.70 %
MONTHLY PAYMENT: $428
ANNUAL INCOME: $35,000
DEBT TO INCOME RATIO: 12%
MISCELLANEOUS COMMENTARY: Discharged Chp 7 BK on 11/2018 with Acura lease surrendered
@jayy_sc wrote:APPROVING BANK: Capital One
BUREAU PULLED: Experian
CREDIT SCORE: 527SOFT PULL/HARD PULL: Hard Pull
CUSTOMER STATE OF RESIDENCE: California
NEW/USED: Used
YEAR OF VEHICLE: 2015
MAKE: Acura
MODEL: TLX
MILEAGE: 34,561
FINANCE/LEASE: FinancePURCHASE PRICE: $19,000
AMOUNT OF LOAN: $20,297
TERM CONTRACTED: 72 months
APR/LEASE RATE: 14.70 %
MONTHLY PAYMENT: $428
ANNUAL INCOME: $35,000
DEBT TO INCOME RATIO: 12%
MISCELLANEOUS COMMENTARY: Discharged Chp 7 BK on 11/2018 with Acura lease surrendered
Good job getting financing! But that APR will rob you blind; you'll pay over $10K (more than half the purchase price) in interest during the life of the loan!
Perhaps in a year or so when your rebuild is further along, you can refinance with a CU and bring that usurious rate down...!
APPROVING BANK: Hyundai Financial
BUREAU PULLED: EQ
CREDIT SCORE: 800+
SOFT PULL/HARD PULL: HP
CUSTOMER STATE OF RESIDENCE: TX
NEW/USED: New
YEAR OF VEHICLE: 2019
MAKE: Hyundai
MODEL: Santa Fe
MILEAGE: 05
FINANCE/LEASE: Fin
PURCHASE PRICE: $36,700
AMOUNT OF LOAN: $26,700
TERM CONTRACTED: 60
APR/LEASE RATE: 1.90
MONTHLY PAYMENT: $460