No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
APPROVING BANK: Capital One
BUREAU PULLED: All 3
CREDIT SCORE: Ranged from 660-680
SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: TX
NEW/USED: New
YEAR OF VEHICLE: 2020
MAKE: GMC
MODEL: Sierra 1500 SLT
MILEAGE: 5
FINANCE/LEASE: Finance
PURCHASE PRICE: 41,600 +TTL
AMOUNT OF LOAN: 43,300
TERM CONTRACTED: 60
APR/LEASE RATE: 4.45
MONTHLY PAYMENT: 804
ANNUAL INCOME: 72k
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY: Purchased Nov 2019. Have 2 charge offs from 2015 still on credit report. $400 and $5500.
APPROVING BANK: SUBARU/CHASE
BUREAU PULLED: TU
CREDIT SCORE: ME: 685, DW: 846
SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: USED/CERTIFIED
YEAR OF VEHICLE: 2017
MAKE: SUBARU
MODEL: LEGACY 2.5I PREMIUM
MILEAGE: 34900
FINANCE/LEASE: Finance
PURCHASE PRICE: $16K+TTL, $17.8K OTD
AMOUNT OF LOAN: $12.1K
TERM CONTRACTED: 36
APR/LEASE RATE: 1.99
MONTHLY PAYMENT: $349
ANNUAL INCOME: 127K
DEBT TO INCOME RATIO:25%
MISCELLANEOUS COMMENTARY: $5.6K DOWN. I HAVE A CH7 BK DISCHARGED 3/2018. DW’S SCORE IS REALLY WHAT GOT THE RATE. INSTANT APPROVAL WHEN THEY RAN IT WITH CHASE.
APPROVING BANK: Bayport Credit Union
BUREAU PULLED: EQ
CREDIT SCORE: 621
SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: VA
NEW/USED: USED
YEAR OF VEHICLE: 2017
MAKE: Lexus
MODEL: ES350
MILEAGE: 18660
FINANCE/LEASE: Finance
PURCHASE PRICE: 28,999
AMOUNT OF LOAN: 31,000
TERM CONTRACTED: 72
APR/LEASE RATE: 7%
MONTHLY PAYMENT: 520
ANNUAL INCOME: 87,000
DEBT TO INCOME RATIO: 28%
MISCELLANEOUS COMMENTARY: Carvana offered me 12% and Carmax offered me 14 through Ally. In the end I just went to a regular dealer and got a better rate through a local credit union.
APPROVING BANK: Direct Federal CU
BUREAU PULLED: All 3
CREDIT SCORE: 721
SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: MA
NEW/USED: NEW
YEAR OF VEHICLE: 2019
MAKE: Honda
MODEL: Insight
MILEAGE: 11
FINANCE/LEASE: Finance
PURCHASE PRICE: 29,995
AMOUNT OF LOAN: 27,500
TERM CONTRACTED: 72
APR/LEASE RATE: 4.44%
MONTHLY PAYMENT: 437
ANNUAL INCOME: 95k
DEBT TO INCOME RATIO: 29%
MISCELLANEOUS COMMENTARY: BofA offered me 8% and without any history with them. Cap One which client I was at the time offered me 6.75%.
APPROVING BANK: American Honda Financial/Honda Financial Services
BUREAU PULLED: TU FICO AUTO 8
CREDIT SCORE: 723
SOFT PULL/HARD PULL: HP
CUSTOMER STATE OF RESIDENCE: IL
NEW/USED: New
YEAR OF VEHICLE: 2020
MAKE: Honda
MODEL: Accord Sport 2.0T
MILEAGE: 10
FINANCE/LEASE: Finance
PURCHASE PRICE: 28,200
AMOUNT OF LOAN: 35600 (msrp + ttl + honda care + gap insurance + negative equity)
TERM CONTRACTED: 72
APR/LEASE RATE: 3.90%
MONTHLY PAYMENT: $556
ANNUAL INCOME: 84K
DEBT TO INCOME RATIO: 26%
MISCELLANEOUS COMMENTARY: Had a pre approved auto loan from Affinity credit union which was at 4.12%. I only wanted to try with Honda financial if they could give me the prime rate (3.90 for 72) and they did. I did not make any down payment.
APPROVING BANK: Capital One Auto
BUREAU PULLED: ?
CREDIT SCORE: 689 (TU)
SOFT PULL/HARD PULL: Soft (prequal)
CUSTOMER STATE OF RESIDENCE: OR
NEW/USED: USED
YEAR OF VEHICLE: 2016
MAKE: Jeep
MODEL: Cherokee Sport
MILEAGE: 62,000
FINANCE/LEASE: Finance
PURCHASE PRICE: $14,999
AMOUNT OF LOAN: $9,999
TERM CONTRACTED: 48
APR/LEASE RATE: 6.2%
MONTHLY PAYMENT: $240
ANNUAL INCOME: $52,000
DEBT TO INCOME RATIO: 2%
MISCELLANEOUS COMMENTARY: Prequal through Cap1. Purchasing a new car for my son.
APPROVING BANK: Chase (Via Subaru)
BUREAU PULLED: TransUnion
CREDIT SCORE: 791
SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: IL
NEW/USED: New
YEAR OF VEHICLE: 2020
MAKE: Subaru
MODEL: Forester Limited
MILEAGE: 10
FINANCE/LEASE: Finance
PURCHASE PRICE: ~32100
AMOUNT OF LOAN: 16000 (Put down 15k + 2K trade)
TERM CONTRACTED: 36
APR/LEASE RATE: 0.9
MONTHLY PAYMENT: 450
ANNUAL INCOME: 88k
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY: I pulled 751 TU score (via Experian mid January) but dealer pulled 40 points higher somehow
APPROVING BANK: TD Bank
BUREAU PULLED: All 3
CREDIT SCORE: 735 Middle Score
SOFT PULL/HARD PULL: HP
CUSTOMER STATE OF RESIDENCE: MA
NEW/USED: New
YEAR OF VEHICLE: 2019
MAKE: Toyota
MODEL: Rav4 Limited Hybrid
MILEAGE: 80
FINANCE/LEASE: Finance
ADVERTISED PRICE: $39,000
PURCHASE PRICE: $33,000
AMOUNT OF LOAN: $35600 (with tax, delivery, & GAP)
TERM CONTRACTED: 72
APR/LEASE RATE: 3.04%
MONTHLY PAYMENT: $546
ANNUAL INCOME: $125,000
DEBT TO INCOME RATIO: 25%
MISCELLANEOUS COMMENTARY: I've just bought a home when my Jeep started to go. The final price includes GAP, etc.
APPROVING BANK: Chase
BUREAU PULLED: Equifax
CREDIT SCORE: FICO8 655, unknown what score they actually pulled though.
SOFT PULL/HARD PULL: HP
CUSTOMER STATE OF RESIDENCE: Virginia
NEW/USED: New
YEAR OF VEHICLE: 2020
MAKE: Jeep
MODEL: Wrangler Unlimited
MILEAGE: 20
FINANCE/LEASE: Finance
PURCHASE PRICE: $40,800 vehicle/taxes/fees + $3,200 warranty/gap/service - $1,600 equity on trade
AMOUNT OF LOAN: $42,500
TERM CONTRACTED: 75 mo.
APR/LEASE RATE: 6.9%
MONTHLY PAYMENT: $700
ANNUAL INCOME: $120,000 (excl. DW earnings)
DEBT TO INCOME RATIO: 1-to-5, I suppose?
MISCELLANEOUS COMMENTARY: About 1 year out of BK7. Wanted to get rid of Jeep Cherokee that had been acting up and still had three years on the loan, which was IIB but not re-affirmed. DW has always wanted a Wrangler, so I bit the bullet and got her hooked up, after pre-quals gave me confidence that I'd be approved for an "okay"-ish rate. Planning to re-fi in 6-12 months and get the monthly payments down to something a little more agreeable, but this is just fine in the short term.
APPROVING BANK: Capital one
BUREAU PULLED: experien
CREDIT SCORE: 559
SOFT PULL/HARD PULL: hard pull
CUSTOMER STATE OF RESIDENCE: Florida
NEW/USED used
YEAR OF VEHICLE:2019
MAKE: Ford
MODEL: explorer
Trim: Limited
MILEAGE: 17,506
FINANCE/LEASE: finance
PURCHASE PRICE: 30999
AMOUNT OF LOAN: 32,000
TERM CONTRACTED: 72
APR/LEASE RATE: 10.36
MONTHLY PAYMENT:589
ANNUAL INCOME:$26,000
DEBT TO INCOME RATIO:?
MISCELLANEOUS COMMENTARY: I did have a co signer her credit score was 646, and income of 56,000. I recently opened a credit union account, and after building history with them, and aggressively tackling my credit I plan to refinance. My car payment will come out of that account. My original apt offered was 11.36, so although not a lot of difference we were able to get it down 1%.