Auto Loan Approvals!

[ayobami]

APPROVING BANK:  NEFCU
BUREAU PULLED: Transunion
CREDIT SCORE: 732
CUSTOMER STATE OF RESIDENCE: New York
NEW/USED: New 
YEAR OF VEHICLE: 2013
MAKE: Infiniti 
MODEL: Ex 37
MILEAGE: 6
RETAIL/LEASE: Retail 
AMOUNT OF LOAN: 40232
TERM CONTRACTED: 72 mos
APR/LEASE RATE: 1.99
MONTHLY PAYMENT: 593.76
ANNUAL INCOME: 101000
DEBT TO INCOME RATIO: ?
MISCELLANEOUS COMMENTARY: This is my first new car and my first auto loan!  So glad with the rate esp since it is a 6 year loan but hope to pay it off sooner. Went from a bankruptcy 7 yrs ago to a mortgage and now an auto loan. This car has the power I wanted with more cargo space and ease of entry and exit, so excited!

[Matt6995]

APPROVING BANK: ALLY
BUREAU PULLED: EQUIFAX
CREDIT SCORE:661
CUSTOMER STATE OF RESIDENCE:    SC
NEW/USED:NEW
YEAR OF VEHICLE:2014
MAKE:CHEVY
MODEL:IMPALA LTZ
MILEAGE:11
RETAIL/LEASE:RETAIL
AMOUNT OF LOAN:42,000
TERM CONTRACTED:72MNTH
APR/LEASE RATE:4.99
MONTHLY PAYMENT:690
ANNUAL INCOME:68,000
DEBT TO INCOME RATIO:13
MISCELLANEOUS COMMENTARY: 0 Down GM Employee price and another bonus cash. Killer was $3G in Neg Equity. Oh well, been drooling over this car for months and now it is in the drive way.

[zeigler]

APPROVING BANK: Honda
BUREAU PULLED: EQ
CREDIT SCORE: 635
CUSTOMER STATE OF RESIDENCE: GA
NEW/USED: New
YEAR OF VEHICLE: 2012
MAKE: honda
MODEL: pilot LX
MILEAGE: 9
RETAIL/LEASE: loan
AMOUNT OF LOAN:28,000
TERM CONTRACTED:72
APR/LEASE RATE: 4.something%
MONTHLY PAYMENT:450
ANNUAL INCOME: 40,000

Traded in a 2007 toyota Camry that I owe more than wat the car was worth. Owed 12,500 and they bought it for 8,000. Put 4,500 down.

[zeigler]

APPROVING BANK: Honda
BUREAU PULLED: EQ
CREDIT SCORE: 635
CUSTOMER STATE OF RESIDENCE: GA
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: honda
MODEL: pilot LX
MILEAGE: 9
RETAIL/LEASE: loan
AMOUNT OF LOAN:28,000
TERM CONTRACTED:72
APR/LEASE RATE: 4.something%
MONTHLY PAYMENT:450
ANNUAL INCOME: 40,000

Traded in a 2007 toyota Camry that I owe more than wat the car was worth. Owed 12,500 and they bought it for 8,000. Put 4,500 down.
Scores went down due to something negative hitting my reports which I'm fighting it now. Once I get that off my credit my goal is to refinance the car for a lower APR

[James82]

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@ohfortuna wrote:

APPROVING BANK: Capital One Auto Finance
BUREAU PULLED: Experian
CREDIT SCORE: 619 (Auto Enhanced)
CUSTOMER STATE OF RESIDENCE: Florida
NEW/USED: New
YEAR OF VEHICLE: 2014
MAKE: Ford
MODEL: Fusion
MILEAGE: 6
RETAIL/LEASE: 
AMOUNT OF LOAN: 24K
TERM CONTRACTED: 73 Months
APR/LEASE RATE: 9.55%
MONTHLY PAYMENT: $439.49
ANNUAL INCOME: $55K
DEBT TO INCOME RATIO: No other debt
MISCELLANEOUS COMMENTARY: Out of Chapter 7 Bank in August - I think the APR is fair. Wells Fargo approved me at 11% as well. I love the car!

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Congrats on the new car!

How do you know it was Auto Exhanced FICO? Did you apply thought the dealership and got Cap 1 financing?

[chakita]

APPROVING BANK: SAC Federal Credit Union
BUREAU PULLED: No Sure
CREDIT SCORE: 636
CUSTOMER STATE OF RESIDENCE: NE
NEW/USED: Certified Pre-Owned
YEAR OF VEHICLE: 2013
MAKE: Kia
MODEL: Optima LX
MILEAGE: 2700
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $20,052
TERM CONTRACTED: 72 months
APR/LEASE RATE: 6.547
MONTHLY PAYMENT: $412
ANNUAL INCOME: $76,000
MISCELLANEOUS COMMENTARY: Very excited.  I was nervous because my credit isn't the best but I have been working on it and it has been consistanly going up a few points every month.  Yay!

[RushXTC]

APPROVING BANK: Honda Financial
BUREAU PULLED: N/A
CREDIT SCORE: N/A
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Honda
MODEL: CRV
MILEAGE: 0
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $26,164
TERM CONTRACTED: 72 Months
APR/LEASE RATE: 6%
MONTHLY PAYMENT: $439
ANNUAL INCOME: $30,000
DEBT TO INCOME RATIO: N/A
MISCELLANEOUS COMMENTARY: This is actually my sisters, She didn't pay attention nor did she get any paper from Honda with her credit score so I'm unsure of that. However, The reason I wanted to post this is because she filed for bankruptcy a while back, I thought it was cleared, But she still has 2 more years to go before it's 100% clear. Which surprised me, Because she already has a couple of unsecured credit cards and 6% APR on this.

[dangelo25]

Has anyone dealt with Chrysler recently?  I'm thinking about getting a Grand Cherokee.  My Fico was 795 EQ, 804 TU a couple months ago. Wonder if I would get 0-1.9% financing.

[Jrubizov]

I was wondering should we trade in 12 odyssey for 14 if the interest rate is 1.9% but the term is 72 months no money down payments are about 620 model is the EX-L

[James82]

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@Jrubizov wrote:
I was wondering should we trade in 12 odyssey for 14 if the interest rate is 1.9% but the term is 72 months no money down payments are about 620 model is the EX-L

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Details on the financing for the 12? APR, purchase price, remaining balance, term length, Odyssey's hold their value great but the first 2 years are the worst for depreciation no matter what the vehicle is.