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APPROVING BANK: Ally Financial (formerly GMAC)
BUREAU PULLED: Equifax
CREDIT SCORE: 572, lower than actual score of 598, checked the same day ?? maybe bc I have limited auto credit history
CUSTOMER STATE OF RESIDENCE: Tx
NEW/USED:New
YEAR OF VEHICLE: 2011
MAKE: Nissan
MODEL: Altima
MILEAGE: 18
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 22784, after $3000 down
TERM CONTRACTED: 60 Months
APR/LEASE RATE: 14.9
MONTHLY PAYMENT: $545
MISCELLANEOUS COMMENTARY:
@Anonymous wrote:APPROVING BANK: Ally Financial (formerly GMAC)
BUREAU PULLED: Equifax
CREDIT SCORE: 572, lower than actual score of 598, checked the same day ?? maybe bc I have limited auto credit history
CUSTOMER STATE OF RESIDENCE: Tx
NEW/USED:New
YEAR OF VEHICLE: 2011
MAKE: Nissan
MODEL: Altima
MILEAGE: 18
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 22784, after $3000 down
TERM CONTRACTED: 60 Months
APR/LEASE RATE: 14.9
MONTHLY PAYMENT: $545
MISCELLANEOUS COMMENTARY:
Any baddies? What's your limited auto history?
@shanao621 wrote:
APPROVING BANK: NMAC
BUREAU PULLED: Transunion
CREDIT SCORE: 579 (auto enhanced), which is exactly the same as what my most recent Experian score from myfico was.
CUSTOMER STATE OF RESIDENCE: MA
NEW/USED: New
YEAR OF VEHICLE: 2011MAKE: NissanMODEL: Rogue
MILEAGE: 7
RETAIL/LEASE: Lease
AMOUNT OF LOAN: $22487 ($26,995, ~$4500 down)
TERM CONTRACTED: 39 Months
APR/LEASE RATE: ??? (paperwork is in my glove compartment)
MONTHLY PAYMENT: $498
MISCELLANEOUS COMMENTARY: Really happy with this rate, I don't have the greatest credit score was going to wait until the spring, but this payment is significantly lower than my previous car payment so I couldn't refuse the deal!
How did you get NMAC to approve you with a 579?? We're looking to do the same on a Rogue or Pathfinder and have roughly the same credit scores....
I'm assuming it was because I have no dings on my auto loan history other than one 30 day past due a few years ago, this is my 4th time financing a car, and my income is over $100k. So I'm sure that had something to do with it too. At this point I don't ask any questions I'm just thrilled to have been approved with no issues. I was upfront about my credit score, they ran my credit came out identically to what I thought it was. They went to the finance manager, 10 minutes later they had an offer that met my numbers and deal was done.
@Anonymous wrote:
How did you get NMAC to approve you with a 579?? We're looking to do the same on a Rogue or Pathfinder and have roughly the same credit scores....
numerous medical baddies and a couple collections more than 5 years old. last auto loan was paid off in 2007 and had a few late pays on it. have a secured cc with 800 limit and only 150 balance and a student loan that is deferred until 2016. those are my only two open accounts.
@shanao621 wrote:
APPROVING BANK: NMAC
BUREAU PULLED: Transunion
CREDIT SCORE: 579 (auto enhanced), which is exactly the same as what my most recent Experian score from myfico was.
CUSTOMER STATE OF RESIDENCE: MA
NEW/USED: New
YEAR OF VEHICLE: 2011MAKE: NissanMODEL: Rogue
MILEAGE: 7
RETAIL/LEASE: Lease
AMOUNT OF LOAN: $22487 ($26,995, ~$4500 down)
TERM CONTRACTED: 39 Months
APR/LEASE RATE: ??? (paperwork is in my glove compartment)
MONTHLY PAYMENT: $498
MISCELLANEOUS COMMENTARY: Really happy with this rate, I don't have the greatest credit score was going to wait until the spring, but this payment is significantly lower than my previous car payment so I couldn't refuse the deal!
So as it turns out they weren't really on top of things at the dealership because I just got a call from the finance manager saying that NMAC did not accept the financing terms for the lease agreement I already signed and agreed to. I'm totally bummed, not sure how this happens. They were able to get me approved but now I'm buying not leasing and the payment went up $100. So here is my new terms:
MODEL: Rogue
MILEAGE: 7
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $22487 ($26,995, ~$4500 down)
TERM CONTRACTED: 48 Months
APR/LEASE RATE: 12.5
MONTHLY PAYMENT: $598
@shanao621 wrote:
@shanao621 wrote:
APPROVING BANK: NMAC
BUREAU PULLED: Transunion
CREDIT SCORE: 579 (auto enhanced), which is exactly the same as what my most recent Experian score from myfico was.
CUSTOMER STATE OF RESIDENCE: MA
NEW/USED: New
YEAR OF VEHICLE: 2011MAKE: NissanMODEL: Rogue
MILEAGE: 7
RETAIL/LEASE: Lease
AMOUNT OF LOAN: $22487 ($26,995, ~$4500 down)
TERM CONTRACTED: 39 Months
APR/LEASE RATE: ??? (paperwork is in my glove compartment)
MONTHLY PAYMENT: $498
MISCELLANEOUS COMMENTARY: Really happy with this rate, I don't have the greatest credit score was going to wait until the spring, but this payment is significantly lower than my previous car payment so I couldn't refuse the deal!
So as it turns out they weren't really on top of things at the dealership because I just got a call from the finance manager saying that NMAC did not accept the financing terms for the lease agreement I already signed and agreed to. I'm totally bummed, not sure how this happens. They were able to get me approved but now I'm buying not leasing and the payment went up $100. So here is my new terms:
APPROVING BANK: NMAC
BUREAU PULLED: Transunion
CREDIT SCORE: 579 (auto enhanced), which is exactly the same as what my most recent Experian score from myfico was.
CUSTOMER STATE OF RESIDENCE: MA
NEW/USED: New
YEAR OF VEHICLE: 2011MAKE: NissanMODEL: Rogue
MILEAGE: 7
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $22487 ($26,995, ~$4500 down)
TERM CONTRACTED: 48 Months
APR/LEASE RATE: 12.5
MONTHLY PAYMENT: $598
I would still love to even get this. The best they say they will do is 17.95%, and it's not with Nissan as they told me they won't finance under a 600 score.