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Auto Loan Approvals!

Auto Loans for ANY Credit Situation. Immediate Response.
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New Member

Re: Auto Loan Approvals!

APPROVING BANK: Ally
BUREAU PULLED: Equifax
CREDIT SCORE: 654

SOFT PULL/HARD PULL:  HARD
CUSTOMER STATE OF RESIDENCE: GA
NEW/USED: USED
YEAR OF VEHICLE: 2016
MAKE: BMW
MODEL: I3
MILEAGE:7826
FINANCE/LEASE: Finance

PURCHASE PRICE: 15982
AMOUNT OF LOAN: 
TERM CONTRACTED: 36
APR/LEASE RATE:12.2

MONTHLY PAYMENT:
ANNUAL INCOME: 115000

DEBT TO INCOME RATIO:1%
MISCELLANEOUS COMMENTARY:

 

I was surprised to get a 12% loan. I filed BK and it was DC on 11/06.   Since then I applied for a credit card with Mission Lane, approved for 1000 LC,  piggybacked on wife AMEX 8500 LC.  Slow but surely rebuilding.  

Message 4211 of 4,233
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New Contributor

Re: Auto Loan Approvals!

APPROVING BANK: Infiniti Financial Services
BUREAU PULLED: Experian
CREDIT SCORE: 650
CUSTOMER STATE OF RESIDENCESmiley TongueA
NEW/USED:New
YEAR OF VEHICLE:2019
MAKE:Infiniti
MODEL:Q50  
MILEAGE:16  
RETAIL/LEASE:Retail
AMOUNT OF LOAN:44,000
TERM CONTRACTED:72 months
APR/LEASE RATE: 1.95%
MONTHLY PAYMENT:$683.00
MISCELLANEOUS COMMENTARY:
BK Filed 06/15 and D/C 09/15 Current FICO 8 December 2019 EQ 664 EX 647 TU 663 CAP 1 Venture MC 11.2 k, Target $2.2k, Banana Republic $6k, NFCU $30k, NavChek CLOC $15k, NFCU AMEX Rewards $13.5k, NFCU Visa Signature Flagship Reward $5.5, Barclays NFL $14k, Discover IT Cash Back $7.9k, Discover IT Travel $15k PayPal $5.9k, Wal-Mart $6k, Amazon Prime $6k, Belk 1k, PENFED Power Cash Reward 20k, PENFED AMEX $20K, PENFED Credit Union CLOC 1.5k, PENFED New Car Loan 6% APR 33k 72 MTHS-Paid Off, PENFED Signature Loan 19k 48 MTHS, Nordstrom 7.5k; Care Credit $12k, Raymour & Flannigan $5.7, Infiniti Q50 2019 $44K-1.9% APR 72 months. Total CC Limits 230K.
Message 4212 of 4,233
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Regular Contributor

Re: Auto Loan Approvals!

APPROVING BANK: Pennsylvania State Employees Credit Union
CREDIT SCORE: 770ish at the time

CUSTOMER STATE OF RESIDENCE: Pennsylvania
NEW/USED: Used

YEAR OF VEHICLE: 2017
MAKE: Toyota
MODEL: Highlander
MILEAGE: 28,890.... ish
FINANCE/LEASE: Finance

AMOUNT OF LOAN: $26,293.30
TERM CONTRACTED: 84
APR/LEASE RATE: 3.99%
MONTHLY PAYMENT: $359.34

MISCELLANEOUS COMMENTARY: I did this in April 2019... I haven't seen this thread until now.



(....it appears blue is my favorite color)
Message 4213 of 4,233
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Valued Member

Re: Auto Loan Approvals!

APPROVING BANK: Credit Union of Richmond
BUREAU PULLED: equifax
CREDIT SCORE: 630
SOFT PULL/HARD PULL: hard
CUSTOMER STATE OF RESIDENCE: va
NEW/USED: used
YEAR OF VEHICLE: 2017
MAKE: Acura
MODEL: rdx
MILEAGE: 57k
FINANCE/LEASE: finance
PURCHASE PRICE: 25814
AMOUNT OF LOAN: 25814
TERM CONTRACTED: 84
APR/LEASE RATE: 7.74
MONTHLY PAYMENT: 400
DEBT TO INCOME RATIO: 30%
MISCELLANEOUS COMMENTARY: not pleased about the length of loan. Probably will refinance. I was focused on the payment since I just bought a house 6 months ago.
Starting Score: 499
Current Score: 640
Goal Score: 850

Take the myFICO Fitness Challenge!
Message 4214 of 4,233
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Established Contributor

Re: Auto Loan Approvals!


@MauiMan85209 wrote:
APPROVING BANK:NFCU
BUREAU PULLED: EQ
CREDIT SCORE: 710
SOFT PULL/HARD PULL: HP
CUSTOMER STATE OF RESIDENCE: AZ
NEW/USED: N
YEAR OF VEHICLE: 2019
MAKE: VOLVO
MODEL: XC60 T5 Inscription
MILEAGE: 5
FINANCE/LEASE: F
PURCHASE PRICE: 47,900
AMOUNT OF LOAN: 55,000
TERM CONTRACTED: 72
APR/LEASE RATE: 4.99
MONTHLY PAYMENT: 886
ANNUAL INCOME: 120,000
DEBT TO INCOME RATIO: 24%
MISCELLANEOUS COMMENTARY: Buried $3,000 negative equity on 2016 Rogue. Instant approval-all done through NFCU app on iPhone.

White on WhiteWhite on White

" EX 718 EQ 730 TU 737 MMS 729"
Message 4215 of 4,233
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Frequent Contributor

Re: Auto Loan Approvals!

APPROVING BANK:NFCU
BUREAU PULLED: EQ
CREDIT SCORE: 749
SOFT PULL/HARD PULL: SP
CUSTOMER STATE OF RESIDENCE: MA
NEW/USED: U
YEAR OF VEHICLE: 2013
MAKE: FORD
MODEL: ESCAPE 2013
MILEAGE: 37360
FINANCE/LEASE: REFI
PURCHASE PRICE: 10712
AMOUNT OF LOAN: 9563
TERM CONTRACTED: 48
APR/LEASE RATE: 4.29
MONTHLY PAYMENT: 217
ANNUAL INCOME: 120,000
DEBT TO INCOME RATIO: 10%

Message 4216 of 4,233
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Valued Member

Re: Auto Loan Approvals!

APPROVING BANK: Cap1
BUREAU PULLED: All
CREDIT SCORE: 580
CUSTOMER STATE OF RESIDENCE: MN
NEW/USED: Used
YEAR OF VEHICLE: 2017
MAKE: Acura
MODEL: RDX
MILEAGE: 30000
RETAIL/LEASE: 22500
AMOUNT OF LOAN: 19500
TERM CONTRACTED: 72
APR/LEASE RATE: 8%
MONTHLY PAYMENT: 395
ANNUAL INCOME: 100000
DEBT TO INCOME RATIO: 33
MISCELLANEOUS COMMENTARY: This was my sister.. she has lots of lates on CCs but perfect auto history with Cap1

Message 4217 of 4,233
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Regular Contributor

Re: Auto Loan Approvals!

APPROVING BANK: Conservation Employees Credit Union
BUREAU PULLED: EQ
CREDIT SCORE: 715
SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: MO
NEW/USED: Used
YEAR OF VEHICLE: 2018
MAKE: Audi
MODEL: A4
MILEAGE: 19K
FINANCE/LEASE: Finance
PURCHASE PRICE: 29000
AMOUNT OF LOAN: 31500
TERM CONTRACTED: 72
APR/LEASE RATE: 3.25
MONTHLY PAYMENT: 482
DEBT TO INCOME RATIO: 24%
MISCELLANEOUS COMMENTARY: Very small CU that has the best customer service you can imagine.  Excellent rate, no hassle, great experience. Never owned a "premium" or "luxury" class vehicle and loving it so far! Buying used 1-2 year old vehicles is the only way to go in my opinion.  Get a practically new vehicle at a drastic discount.  Let someone else take the immediate depreciation hit, imo. 

BBVA Clearpoints $16,000 | Discover $6,100 | CECU Visa $4,000 | NFCU Go Rewards Visa Sig. $15,500 | NFCU CLOC $15,000 |
PayPal CB MC $5,000 | Paypal Credit $5,650 | Card $5,500 | AMX Hilton Honors Ascend $1,000 | Wayfair $19,900 |
Sportsmans Guide Visa $7,400 | Kohls $3,000 | Capital One Savor One $3,000 | PNC Cash Rewards $7,500 |
PenFed Power Cash Rewards $10,000 |
Message 4218 of 4,233
New Member

Re: Auto Loan Approvals!

APPROVING BANK:  NMAC
BUREAU PULLED:  Eqiufax 
CREDIT SCORE:  670

SOFT PULL/HARD PULL: hard
CUSTOMER STATE OF RESIDENCE:  FL
NEW/USED:  New
YEAR OF VEHICLE: 2020
MAKE:  Nissan
MODEL:  Pathfinder SL Rock Creek
MILEAGE: 9
FINANCE/LEASE:  Lease

PURCHASE PRICE:  Net Cap Cost- 33,611.91
AMOUNT OF LOAN:
TERM CONTRACTED:  48 months
APR/LEASE RATE:  4.6
MONTHLY PAYMENT:  449.83
ANNUAL INCOME:  52K
DEBT TO INCOME RATIO: under 12 to 15%
MISCELLANEOUS COMMENTARY:

Message 4219 of 4,233
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Established Member

Re: Auto Loan Approvals!

They must have pulled all three to try and find a lower credit score. You've got a great credit score there!

Starting Score: 600
Current Score: 696
Goal Score: 850


Take the myFICO Fitness Challenge
Message 4220 of 4,233
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