APPROVING BANK: Coastal Federal Credit Union
BUREAU PULLED: Equifax
CREDIT SCORE: Not sure which variant they pulled. My scores are FICO 8 - 691, FICO Auto 8 - 682, FICO Auto 5 - 773, FICO Auto 9 - 752
SOFT PULL/HARD PULL: HP
CUSTOMER STATE OF RESIDENCE: North Carolina
NEW/USED: Used (Certified Used Jeep)
YEAR OF VEHICLE: 2018
MAKE: Jeep
MODEL: Grand Cherokee Limited
MILEAGE: ~24,000
FINANCE/LEASE: Finance
PURCHASE PRICE: $32,500
AMOUNT OF LOAN: About $30,000
TERM CONTRACTED: 60 months
APR/LEASE RATE: 3.54%
MONTHLY PAYMENT: $658.22
ANNUAL INCOME: $108,000
DEBT TO INCOME RATIO: Low (before the car loan, debt of a few hundred dollars)
MISCELLANEOUS COMMENTARY: I have been a member of Coastal Federal Credit Union for over 30 years. But, I approached this process thinking that I have red flags on my credit due to my numerous recent inquiries and new accounts. Because of this, I started the process by calling Coastal and asking to talk to a car loan person to get advice. I spoke with someone who then gave me her email and said to let her know if I wanted to actually apply. I emailed later and said that I did want to apply, and gave some details. I didn't hear back for 24 hours and emailed again asking about next steps. Still didn't hear back, emailed 24 hours later asking if she was getting my emails. Still hadn't heard back after another 24+ hours, so I went on the Coastal web site and applied. Got an Equifax hard pull notification, and an email from Coastal saying I would hear within 1-2 days. The car salesman said that if I came in, they could check the status of my application at the dealership. I came in (hadn't heard from Coastal yet), and instead of checking the status of my application, the dealership re-ran an application, with a 3-bureau hard pull through Credco. I was quite upset about that, until they told me I had been approved. I was offered a 3.44% rate for a 48-month loan but decided to go with 3.74% for 60 months. UPDATE: The car dealer business manager told me it was 3.74%, but when the account showed up on the CFCU web portal, it turned out to be 3.54%. If I could redo it, I would have just applied on Coastal's Web site at the start of the process rather than trying to talk to the loan person by email. I could have had one inquiry and instead got four, and wasted a couple of days waiting. But all's well that ends well. I really can't complain about the rate, given my situation - in fact, given anybody's situation. The image of the vehicle in my signature file is the actual Jeep I bought.
First time commenting! Long time lurker 
APPROVING BANK: USAA
BUREAU PULLED: Experian
CREDIT SCORE: 726
SOFT PULL/HARD PULL: Hard pull
CUSTOMER STATE OF RESIDENCE: AZ
NEW/USED: Used
YEAR OF VEHICLE: 2012
MAKE: Chevrolet
MODEL: Silverado 1500 WT
MILEAGE: 21,000
FINANCE/LEASE: Finance
PURCHASE PRICE: 17,000
AMOUNT OF LOAN: 19,100
TERM CONTRACTED: 72 mo
APR/LEASE RATE: 4.1%
MONTHLY PAYMENT: ~$305
ANNUAL INCOME: 85,000
DEBT TO INCOME RATIO: ~9%
MISCELLANEOUS COMMENTARY: I drove hoopties for 10 years, no car payments was bliss. I realized I was setting aside more money each month to keep my hooptie going, than it would cost me to buy a much newer vehicle. The truck that we use to tow the boat etc around is getting up there in miles (230k), and wanted to give it a bit of a break since it's a classic, so when I stumbled across this listing I jumped on it. I've been working on my credit for about a year and a half now, and was instantly approved with USAA for 35k (!!! yikes). I would classify it as an impulse buy, even though I was planning to finance something newer in about a year, but absolutely no regrets.