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APPROVING BANK: NFCU & VW Credit
BUREAU PULLED: EQ & TU FICO 8 & 9
CREDIT SCORE: 698 & 714
SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: New
YEAR OF VEHICLE: 2020
MAKE: VW
MODEL: Jetta R Line
MILEAGE: 17
FINANCE/LEASE: Finance
PURCHASE PRICE: 33329
AMOUNT OF LOAN: 30579
TERM CONTRACTED: 72
APR/LEASE RATE: 2.6
MONTHLY PAYMENT: $460
ANNUAL INCOME: 75K
DEBT TO INCOME RATIO:
MISCELLANEOUS COMMENTARY: VW Credit beat NFCU rate by 0.9%. Traded in a paid of auto. Totally happy with the experience.
Congratulations on the approval and thank you for sharing the detailed datapoints! Enjoy the new Jetta!
No problem and Thank you!!
APPROVING BANK: Lexus Financial (TMCC)
BUREAU PULLED: ALL 3
CREDIT SCORE: 599,584,624
SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: TX
NEW/USED: New
YEAR OF VEHICLE: 2020
MAKE: Lexus
MODEL: ES350
MILEAGE: 5
FINANCE/LEASE: Lease
PURCHASE PRICE: 45k
AMOUNT OF LOAN: 24k
TERM CONTRACTED: 36
APR/LEASE RATE: I do not know the MF, it is Tier 3
MONTHLY PAYMENT: $680
ANNUAL INCOME: 85k
MISCELLANEOUS COMMENTARY: This for my grandmother. She has had issues with credit up until I took over the finances. She has since purchased a home and decided she wanted her dream car. She has had 5 loans with TMCC with no lates so i'm sure that contributed to Tier 3. The Camry she traded in rolled 3K in negative equity so hoping lease will eliminate that.