Auto Loan Approvals!

[Credit4Growth]

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@Anonymous wrote:

APPROVING BANK: NFCU
BUREAU PULLED: Transunion 
CREDIT SCORE: 755

SOFT PULL/HARD PULL: HP
CUSTOMER STATE OF RESIDENCE: NY
NEW/USED: NEW
YEAR OF VEHICLE: 2021
MAKE: Toyota
MODEL: Highlander XSE
MILEAGE: 4
FINANCE/LEASE: Finance

PURCHASE PRICE: 48k
AMOUNT OF LOAN: 33k
TERM CONTRACTED: 60 Months 
APR/LEASE RATE: 2.49%
MONTHLY PAYMENT: $586
ANNUAL INCOME: 55K
DEBT TO INCOME RATIO: <1%
MISCELLANEOUS COMMENTARY: City World Toyota in the bronx gried to f me with the trade in but I fought till the end and I even asked for a refund on my deposit till they gave up and gave me a decent offer for my 2017 camry

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@Anonymous 

👍 enjoy the Highlander!

It looks like you have done well fighting the good fight!

[Gladius]

APPROVING BANK: NFCU
BUREAU PULLED: ? 
CREDIT SCORE: EQ:  766   TU:  756    EX:  754 

SOFT PULL/HARD PULL: HP
CUSTOMER STATE OF RESIDENCE: TX
NEW/USED: NEW
YEAR OF VEHICLE: 2021
MAKE: Jeep
MODEL: Wrangler Sahara High Altitude
MILEAGE: 12
FINANCE/LEASE: Finance

PURCHASE PRICE: $56021
AMOUNT OF LOAN: $56021
TERM CONTRACTED: 84 Months 
APR/LEASE RATE: 4.69%
MONTHLY PAYMENT: $790
ANNUAL INCOME: $130K
DEBT TO INCOME RATIO: <30%
MISCELLANEOUS COMMENTARY: Ordered it through a local dealership.  Negotiated the OTD price (below MSRP).  Sales guy quoted a 6-8 week delivery.  "Only" took 31 days from order to delivery.  I'm quite satisfied.

[MitchDeerfield]

Delete

[Anonymous]

APPROVING BANK: KIA Motors Financing (KMF)
BUREAU PULLED: Experian + Transunion (FICO AUTO 8)
CREDIT SCORE: EX:  715    TU:  751    EQ:  746

SOFT PULL/HARD PULL: HP
CUSTOMER STATE OF RESIDENCE:  CA (Bought the car in CO)
NEW/USED: NEW
YEAR OF VEHICLE: 2021
MAKE: Kia
MODEL: Telluride SX Prestige with Nightfall Edition
MILEAGE: 12
FINANCE/LEASE: Finance

PURCHASE PRICE: $54800
AMOUNT OF LOAN: $39800
TERM CONTRACTED: 66 Months 
APR/LEASE RATE: 2.25%
MONTHLY PAYMENT: $660
ANNUAL INCOME: $162k
DEBT TO INCOME RATIO: <20%
MISCELLANEOUS COMMENTARY: Tellurides are extremely hard to get so local SoCal dealers all mark up their prices beyond MSRP. I've seen anywhere between 6k all the way up to 18k hence why I bought mine out-of-state.

[Anonymous]

Dang, they approved you with only a 610 ?! I have a 670 might apply.

[Anonymous]

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You got approved for a Supra with a 612?! I can get approved for a Lamborghini then lol

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[Deecee67]

APPROVING BANK: NCSECU
BUREAU PULLED: Equifax
CREDIT SCORE: 669

SOFT PULL/HARD PULL: Hard pull
CUSTOMER STATE OF RESIDENCE: NC
NEW/USED: Used-refinance
YEAR OF VEHICLE: 2017
MAKE: Ford
MODEL: F-150
MILEAGE: 74790
FINANCE/LEASE: Finance

PURCHASE PRICE: $35,000
AMOUNT OF LOAN: $36,032
TERM CONTRACTED: 60 months
APR/LEASE RATE: 3.95
MONTHLY PAYMENT: $626
ANNUAL INCOME: $66,556
DEBT TO INCOME RATIO: 27%
MISCELLANEOUS COMMENTARY: Refinanced original Capital One loan.

[designated_knitter]

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@Deecee67 wrote:

APPROVING BANK: NCSECU
BUREAU PULLED: Equifax
CREDIT SCORE: 669

SOFT PULL/HARD PULL: Hard pull
CUSTOMER STATE OF RESIDENCE: NC
NEW/USED: Used-refinance
YEAR OF VEHICLE: 2017
MAKE: Ford
MODEL: F-150
MILEAGE: 74790
FINANCE/LEASE: Finance

PURCHASE PRICE: $35,000
AMOUNT OF LOAN: $36,032
TERM CONTRACTED: 60 months
APR/LEASE RATE: 3.95
MONTHLY PAYMENT: $626
ANNUAL INCOME: $66,556
DEBT TO INCOME RATIO: 27%
MISCELLANEOUS COMMENTARY: Refinanced original Capital One loan.

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Congratulations!  Nice to see another NCSECU customer here!

[Anonymous]

APPROVING BANK: Fifth Third Bank
BUREAU PULLED: Experian Auto 8
CREDIT SCORE: 642 / 

SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: Florida
NEW/USED: Used
YEAR OF VEHICLE: 2017
MAKE: Honda
MODEL: Accord Sport
MILEAGE: 82k
FINANCE/LEASE: Finance

PURCHASE PRICE: 16,901
AMOUNT OF LOAN: 15,616
TERM CONTRACTED: 60 months
APR/LEASE RATE: 3.99
MONTHLY PAYMENT: $287.98
ANNUAL INCOME: 80k self/160k household 
DEBT TO INCOME RATIO: 25%ish 
MISCELLANEOUS COMMENTARY:  642 was the printed out credit score but they pulled Transunion also and I'm not sure what that score was. Capital One preapproval for the vehicle was at 4.07 percent but actually came in at 4.24 with the application.  No negatives on my credit but high utilization is keeping my scores low. No previous auto loans on my file - had a repo in 2012 but obviously it fell off. Crazy to think that car was at 18%. Learned a lot since then! 

car  16,901

Taxes & tag transfer 1384.75

4 year warranty 2330

Cash down 5k

[ridgebackpilot]

APPROVING BANK: Toyota Financial Services
BUREAU PULLED: Experian + Transunion (FICO AUTO 8)
CREDIT SCORE: EX: 679   TU: 675  (FICO 8)

SOFT PULL/HARD PULL: HP
CUSTOMER STATE OF RESIDENCE:  CA
NEW/USED: Certified Pre-Owned
YEAR OF VEHICLE: 2019
MAKE: Toyota
MODEL: Highlander Limited AWD
MILEAGE: 12,661
FINANCE/LEASE: Finance

PURCHASE PRICE: $38,000
AMOUNT OF LOAN: $35,930
TERM CONTRACTED: 60 Months 
APR/LEASE RATE: 2.89%
MONTHLY PAYMENT: $643
ANNUAL INCOME: $325k+
DEBT TO INCOME RATIO: <20%
MISCELLANEOUS COMMENTARY: Interest rate subsidized by TFS for returning customers purchasing CPO vehicles. Also received a 1-2 tier bump due to previous relationship and good standing with TFS.