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APPROVING BANK: PNC
BUREAU PULLED: Experian
CREDIT SCORE: Fico 8 679
SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: MO
NEW/USED: Used
YEAR OF VEHICLE: 2018
MAKE: Tesla
MODEL: Model 3 LR w/FSD
MILEAGE: 25k
FINANCE/LEASE: Finance
PURCHASE PRICE: 43k
AMOUNT OF LOAN: 41k
TERM CONTRACTED: 72 months
APR/LEASE RATE: 6.3%
MONTHLY PAYMENT: 624
ANNUAL INCOME: 120k
DEBT TO INCOME RATIO: 22% (a quarter of that is a rental property, but it has a personal mortgage on it and the banks see it as that)
MISCELLANEOUS COMMENTARY: My Auto Fico was quite a bit lower and I was getting rates and terms that were all over the place. I am still waiting on terms from a couple banks, but will most likely stick with this one.
APPROVING BANK: Chase (Mazda)
BUREAU PULLED: Transunion
CREDIT SCORE: 675
SOFT PULL/HARD PULL: HARD PULL
CUSTOMER STATE OF RESIDENCE: PA
NEW/USED: NEW
YEAR OF VEHICLE: 2019
MAKE: Mazda
MODEL: Mazda 3 w/ Preferred Package
MILEAGE: 23
FINANCE/LEASE: Lease
PURCHASE PRICE: $25,120
AMOUNT OF LOAN:
TERM CONTRACTED: 36 MONTHS / 12,000 miles
APR/LEASE RATE:
MONTHLY PAYMENT: $340
ANNUAL INCOME: $50k
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY: Tier 4 w/ 675 Transunion. Recently bought home in July. $0 down payment.
APPROVING BANK: Lexus Financial
BUREAU PULLED: Experian
CREDIT SCORE: 745
SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: New
YEAR OF VEHICLE: 2019
MAKE: Lexus
MODEL: ES350
MILEAGE: 10k/year
FINANCE/LEASE: Lease
PURCHASE PRICE: $45,000
AMOUNT OF LOAN: N/A
TERM CONTRACTED: 36 months
APR/LEASE RATE: 0.03%
MONTHLY PAYMENT: $405
ANNUAL INCOME: N/A
DEBT TO INCOME RATIO: N/A
MISCELLANEOUS COMMENTARY:
APPROVING BANK: DCU
BUREAU PULLED: Equifax
CREDIT SCORE: 733
SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: Colorado
NEW/USED: New
YEAR OF VEHICLE: 2019
MAKE: Tesla
MODEL: 3
MILEAGE: 24
FINANCE/LEASE: Finance
PURCHASE PRICE: 43,357
AMOUNT OF LOAN: 43,257
TERM CONTRACTED: 72
APR/LEASE RATE: 3.99
MONTHLY PAYMENT: 676
ANNUAL INCOME: 100,000
DEBT TO INCOME RATIO: 34%
MISCELLANEOUS COMMENTARY: DCU has always been great to use and I reccommend them to anybody!
APPROVING BANK: MAPS CREDIT UNION
BUREAU PULLED: EXPERIAN
CREDIT SCORE: 728
SOFT PULL/HARD PULL: HARD
CUSTOMER STATE OF RESIDENCE: OREGON
NEW/USED: USED/REFINANCE
YEAR OF VEHICLE: 2017
MAKE: CHEVROLET
MODEL: CAMARO
MILEAGE: 30,000
REFINANCE LOAN AMOUNT: $21,088
ORIGINAL PURCHASE PRICE: $34,000
AMOUNT OF LOAN: $21,088
TERM CONTRACTED: 72 MONTHS
APR/LEASE RATE: 3.75%
MONTHLY PAYMENT: $330
ANNUAL INCOME: $56,000
DEBT TO INCOME RATIO: 58%/37% (JOINT MORTGAGE/ONLY INCLUDING MY HALF)
MISCELLANEOUS COMMENTARY: I have a joint mortgage with my brother, but even though I only pay 50% they calculate my DTI using the full payment. Took some negotians and additional documentation, but I convinced them to use the 37% DTI figure (which is the reality). I have banked with them for almost 10 years and my brother and I have a joint account there, so I told him that I have 10 months of bank statements showing transfers of 50% of the payment from our individual accounts to the joint account and the full payment going out to the mortgage company to prove that I truly do just pay 50%. Super stoked about this as the next best rate that I received was from NFCU for 5.29%! I'm supposed to sign on this either today or Monday depending on when UPS delivers the copy of my title!
APPROVING BANK: USAA
BUREAU PULLED: Equifax
CREDIT SCORE: 736
SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: TN
NEW/USED: New
YEAR OF VEHICLE: 2019
MAKE: Audi
MODEL: A5 Sportback
MILEAGE: 54
FINANCE/LEASE: Finance
PURCHASE PRICE: $57000
AMOUNT OF LOAN: 29557
TERM CONTRACTED: 60
APR/LEASE RATE: 3.19
MONTHLY PAYMENT: $532.25
ANNUAL INCOME: $135,000
DEBT TO INCOME RATIO: 19%
MISCELLANEOUS COMMENTARY: Took more time to negotiate than it did to get the loan, approved in less than 2 minutes.
congrats....I got approved for auto loan and cc yesterday and then boom my membership was denied.....the app process was pretty easy....Still waiting to find out why....congrats....
APPROVING BANK: Pen Fed Credit Union
BUREAU PULLED: Equifax 727
CREDIT SCORE: Fico 8 714
SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: NC
NEW/USED: New
YEAR OF VEHICLE: 2020
MAKE: Kia
MODEL: Sportage S AWD
MILEAGE: 12
FINANCE/LEASE: Finance
PURCHASE PRICE: 31500
AMOUNT OF LOAN:
TERM CONTRACTED: 72 months
APR/LEASE RATE: 5.09
MONTHLY PAYMENT: 565
ANNUAL INCOME: 141k
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY: Kia pulled Equifax (727) to see what rate they think I'd get and Pen Fed Cred unit soft pulled Trans Union and my score was 742.