APPROVING BANK: CAPITAL ONE AUTO FINANCE
BUREAU PULLED: ALL 3
CREDIT SCORE: 636 (TU)
SOFT PULL/HARD PULL: Initially, soft for pre-approval - Hard pull upon application
CUSTOMER STATE OF RESIDENCE: IL
NEW/USED: NEW
YEAR OF VEHICLE: 2024
MAKE: LEXUS
MODEL: NX 350 LUXURY
MILEAGE: 12
FINANCE/LEASE: FINANCE
PURCHASE PRICE: $58400 OTD
AMOUNT OF LOAN: $40400
TERM CONTRACTED: 72 months
APR/LEASE RATE: 9.3%
MONTHLY PAYMENT: $735
ANNUAL INCOME: $180K
DEBT TO INCOME RATIO: <12%
MISCELLANEOUS COMMENTARY: 2 open collection accounts and lates from last year have the credit score low currently. Capital One beat every credit union I tried which was surprising, but I have a few products with them and have been with them for a while so that could have been the reason. No markups/add-ons, below MSRP; negotiated on OTD. Paying off in 3 years or sooner. So very grateful!
