APPROVING BANK: USAA
BUREAU PULLED: TU
CREDIT SCORE: 749
SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: TX
NEW/USED: Used
YEAR OF VEHICLE: 2020
MAKE: BMW
MODEL: 330i w/M-Sport Package
MILEAGE: 9170
FINANCE/LEASE: FINANCE
PURCHASE PRICE: $39950.00 (+$1300 shipping from Maryland to Texas)
AMOUNT OF LOAN: $42000.00
TERM CONTRACTED: 84 months
APR/LEASE RATE: 7.49%
MONTHLY PAYMENT: $664
ANNUAL INCOME: $153k
DEBT TO INCOME RATIO: <10%
MISCELLANEOUS COMMENTARY: Will be selling my Jeep to my daughter in July when she comes back stateside from overseas so decided to shop around now to see if anything catches my attention. Decided on a 2020^ BMW 3-Series or an Audi A5 Sportback. Didn't find nothing here or even 50 miles from where we live so opened up my search to nationwide. Found the perfect car for me with everything I wanted with extremely low mileage in Maryland. Did the deal through e-mail/text, they sent paperwork overnight for me to sign, sent paperwork back. Once they received everything, they submitted dealer funding request to my bank and were able to ship the car out to me the very next day. The car arrived the very next day (on a Sunday)!! So the entire deal took a little less than 1 week!! And it was the most seamless car deal I have ever did. Car is in mint condition and I am a very happy man!!
APPROVING BANK: RBFCU
BUREAU PULLED: EX Vantage 4.0
CREDIT SCORE: 675 (Me), 725 (DH)
SOFT PULL/HARD PULL: HP
CUSTOMER STATE OF RESIDENCE: TX
NEW/USED: Used
YEAR OF VEHICLE: 2018
MAKE: Dodge
MODEL: Ram 1500 something something
MILEAGE: 55,000
FINANCE/LEASE: Finance
PURCHASE PRICE: 23,145
AMOUNT OF LOAN: 23,145
TERM CONTRACTED: 72 months
APR/LEASE RATE: 6.2
MONTHLY PAYMENT: 387ish
ANNUAL INCOME: $95,000 combined
DEBT TO INCOME RATIO: 😂🤷
MISCELLANEOUS COMMENTARY: The DH was needing a newer truck, as his old Dodge was a 2008 model with 225K+ miles and it was showing it's age. I've been sorta looking for a newer truck for him for a bit and saw this one and we decided to grab it. They gave $3K in trade on his old truck which we used towards the loan. The loan was done jointly, as I make more than my DH and he's also listed on the loan for the suburban. I was very surprised RBFCU pulled a Vantage score, which is always lower for me. Oh, well.
Edited: They pulled EX not EQ.
APPROVING BANK: Idaho Central Credit Union
BUREAU PULLED: EQ Auto Score 8
CREDIT SCORE: 686
SOFT PULL/HARD PULL: HP
CUSTOMER STATE OF RESIDENCE: WA
NEW/USED: Used (Certified)
YEAR OF VEHICLE: 2022
MAKE: Honda
MODEL: CR-V Hybrid
MILEAGE: 9,341
FINANCE/LEASE: Finance
PURCHASE PRICE: 40,880
AMOUNT OF LOAN: 46,399
TERM CONTRACTED: 87 months
APR/LEASE RATE: 8.3
MONTHLY PAYMENT: $715
ANNUAL INCOME: $80k
MISCELLANEOUS COMMENTARY: Rebuild was a success! This was the goal when I started my rebuild last year. I was a bit surprised at the score pulled as I was in the 720 range when I pulled my 3B last month. I wasn’t really planning to buy now but the combination of features (fully loaded), lack of miles and color 
was too good to pass up. Plus my current vehicle was approaching the mileage when big repairs could happen. Don’t love the rate but didn’t have all my ducks in a row and didn’t think the car would be on the lot long so didn’t want to wait. Will look to refinance with DCU or PenFed (existing relationships) soon for a shorter term but better rate.
APPROVING BANK: PenFed
BUREAU PULLED: Equifax
CREDIT SCORE: 737
SOFT PULL/HARD PULL: HP
CUSTOMER STATE OF RESIDENCE: CO
NEW/USED: NEW
YEAR OF VEHICLE: 2023
MAKE: Dodge
MODEL: CHALLENGER R/T SCAT PACK PLUS
MILEAGE: 18
FINANCE/LEASE: Finance
PURCHASE PRICE: 63,295.50
AMOUNT OF LOAN: 63,295.50
TERM CONTRACTED: 72
APR/LEASE RATE: 6.64
MONTHLY PAYMENT:
ANNUAL INCOME: 144k
DEBT TO INCOME RATIO: Zero debt... until now 😂
MISCELLANEOUS COMMENTARY:
I was able to get this refinanced through DCU @ 5.49%/65 months.
Seriously, cannot recommend them enough. I did have to pay down the loan balance to $44K but well worth it in the longrun. FYI they will give an additional 0.25% for hybrids/electric vehicles and also give you 60 days before your first payment.
@sportsguy83 wrote:APPROVING BANK: Idaho Central Credit Union
BUREAU PULLED: EQ Auto Score 8
CREDIT SCORE: 686
SOFT PULL/HARD PULL: HP
CUSTOMER STATE OF RESIDENCE: WA
NEW/USED: Used (Certified)
YEAR OF VEHICLE: 2022
MAKE: Honda
MODEL: CR-V HybridMILEAGE: 9,341
FINANCE/LEASE: FinancePURCHASE PRICE: 40,880
AMOUNT OF LOAN: 46,399
TERM CONTRACTED: 87 months
APR/LEASE RATE: 8.3MONTHLY PAYMENT: $715
ANNUAL INCOME: $80kMISCELLANEOUS COMMENTARY: Rebuild was a success! This was the goal when I started my rebuild last year. I was a bit surprised at the score pulled as I was in the 720 range when I pulled my 3B last month. I wasn’t really planning to buy now but the combination of features (fully loaded), lack of miles and color
APPROVING BANK: members 1st Credit Union
BUREAU PULLED: Equifax
CREDIT SCORE: 740
SOFT PULL/HARD PULL: hard
CUSTOMER STATE OF RESIDENCE: Missouri
NEW/USED: Used
YEAR OF VEHICLE: 2017
MAKE: Ram
MODEL: 1500 Sport crew Cab
MILEAGE: 87,100
FINANCE/LEASE: Finance
PURCHASE PRICE: 32568
AMOUNT OF LOAN: 17568
TERM CONTRACTED: 66
APR/LEASE RATE: 5.49%
MONTHLY PAYMENT: $319
ANNUAL INCOME: 48-52k depending on overtime
DEBT TO INCOME RATIO: 0 before this
MISCELLANEOUS COMMENTARY: Been looking for a truck for the last year and a half to 2 years. My job I can't really call out because of bad weather and I was tired of driving a grandma car. Finally found a truck I liked that I could afford. Probably over payed by a little bit but idc at this point. Put down 15k. No pre payment penalty so will pay it off probably within a year or two to avoid as much interest as possible. Could of bought it I'm cash but wanted to keep a decent emergency fund. Any questions ask away
APPROVING BANK: RBFCU
BUREAU PULLED: Experian Vantage
CREDIT SCORE: ???/??? Will update later
SOFT PULL/HARD PULL: Hard pull
CUSTOMER STATE OF RESIDENCE: TX
NEW/USED: Used
YEAR OF VEHICLE: 2019
MAKE: Mazda
MODEL: CX-5 Touring
MILEAGE: 18,799
FINANCE/LEASE: Finance
PURCHASE PRICE: $28,300
AMOUNT OF LOAN: $27,000
TERM CONTRACTED: 72
APR/LEASE RATE: 5.92
MONTHLY PAYMENT: $473
ANNUAL INCOME: $75K/$65K
DEBT TO INCOME RATIO: 🤷
MISCELLANEOUS COMMENTARY: I just financed a truck with the DH a few weeks ago and I ended up needing help with mine. 🙄 We put the difference on a credit card because someone wanted the points. The only extra was GAP.
