cancel
Showing results for 
Search instead for 
Did you mean: 

Auto Loan Approvals!

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
New Member

Re: Auto Loan Approvals!

APPROVING BANK: PNC
BUREAU PULLED: Experian
CREDIT SCORE: Fico 8 679

SOFT PULL/HARD PULL:  Hard
CUSTOMER STATE OF RESIDENCE: MO
NEW/USED: Used
YEAR OF VEHICLE: 2018
MAKE: Tesla
MODEL: Model 3 LR w/FSD
MILEAGE: 25k
FINANCE/LEASE: Finance

PURCHASE PRICE: 43k
AMOUNT OF LOAN: 41k
TERM CONTRACTED: 72 months
APR/LEASE RATE: 6.3%
MONTHLY PAYMENT: 624
ANNUAL INCOME: 120k
DEBT TO INCOME RATIO: 22% (a quarter of that is a rental property, but it has a personal mortgage on it and the banks see it as that)
MISCELLANEOUS COMMENTARY: My Auto Fico was quite a bit lower and I was getting rates and terms that were all over the place. I am still waiting on terms from a couple banks, but will most likely stick with this one. 

Message 4191 of 4,200
Regular Contributor

Re: Auto Loan Approvals!

APPROVING BANK: Toyota Financial
BUREAU PULLED: Experian
CREDIT SCORE: 665 (30 points lower than my FICO 8)
SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: MO
NEW/USED: New
YEAR OF VEHICLE: 2019
MAKE: Lexus MODEL: LC 500
MILEAGE: 9
FINANCE/LEASE: Lease
PURCHASE PRICE: 101k
AMOUNT OF LOAN: 83k (negative equity from 2 trades)
TERM CONTRACTED: 48 months
APR/LEASE RATE: Don't remember MF
MONTHLY PAYMENT: 1737
ANNUAL INCOME: 140k
MISCELLANEOUS COMMENTARY: Traded in two vehicles. Toyota Financial auto approval, no stips. 106k MSRP.
Starting Score: (5/01/2017) -- EXP: 495; TU: 445; EQ: 460
Current Score (011/01/2019): EXP: 692; TU: 704; EQ: 674

Target Red - $800
Discover It Cash Back - $2000
Discover It Cash Back - $4000
Capital One Quicksilver - $700
US Bank Cash+ Visa Signature - $2000
Nordstrom Credit Card - $2500


Available Credit: $12,000
Message 4192 of 4,200
Regular Contributor

Re: Auto Loan Approvals!

APPROVING BANK: DCU
BUREAU PULLED: EQUiFAX Mortgage 5
CREDIT SCORE: 740
SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: NJ
NEW/USED: USED
YEAR OF VEHICLE: 2017
MAKE: Honda
MODEL: Ridgeline (Black Edition)
MILEAGE: 34500
FINANCE/LEASE: Finance
PURCHASE PRICE: 29700
AMOUNT OF LOAN: 29700
TERM CONTRACTED: 60
APR/LEASE RATE: 3.24
MONTHLY PAYMENT: 498
ANNUAL INCOME: 180K
DEBT TO INCOME RATIO: 10%
MISCELLANEOUS COMMENTARY: Fast Turn Around and Decision Process


Starting Score: 700
Current Score: 716
Goal Score: 750


Take the myFICO Fitness Challenge












Message 4193 of 4,200
Established Member

Re: Auto Loan Approvals!

APPROVING BANK: Chase (Mazda)
BUREAU PULLED: Transunion
CREDIT SCORE: 675

SOFT PULL/HARD PULL: HARD PULL
CUSTOMER STATE OF RESIDENCE: PA
NEW/USED: NEW
YEAR OF VEHICLE: 2019
MAKE: Mazda
MODEL: Mazda 3 w/ Preferred Package
MILEAGE: 23
FINANCE/LEASE: Lease

PURCHASE PRICE: $25,120
AMOUNT OF LOAN: 
TERM CONTRACTED: 36 MONTHS / 12,000 miles
APR/LEASE RATE: 
MONTHLY PAYMENT: $340
ANNUAL INCOME: $50k
DEBT TO INCOME RATIO: 
MISCELLANEOUS COMMENTARY:  Tier 4 w/ 675 Transunion.  Recently bought home in July.  $0 down payment.  

Message 4194 of 4,200
New Member f82
New Member

Re: Auto Loan Approvals!

APPROVING BANK: Lexus Financial
BUREAU PULLED: Experian 
CREDIT SCORE: 745

SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: New
YEAR OF VEHICLE: 2019
MAKE: Lexus
MODEL: ES350
MILEAGE: 10k/year
FINANCE/LEASE: Lease

PURCHASE PRICE: $45,000
AMOUNT OF LOAN: N/A
TERM CONTRACTED: 36 months
APR/LEASE RATE: 0.03%
MONTHLY PAYMENT: $405
ANNUAL INCOME: N/A
DEBT TO INCOME RATIO: N/A
MISCELLANEOUS COMMENTARY:

Message 4195 of 4,200
Established Member

Re: Auto Loan Approvals!

APPROVING BANK: DCU
BUREAU PULLED: Equifax
CREDIT SCORE: 733

SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: Colorado
NEW/USED: New
YEAR OF VEHICLE: 2019
MAKE: Tesla
MODEL: 3
MILEAGE: 24
FINANCE/LEASE: Finance

PURCHASE PRICE: 43,357
AMOUNT OF LOAN: 43,257
TERM CONTRACTED: 72
APR/LEASE RATE: 3.99
MONTHLY PAYMENT: 676
ANNUAL INCOME: 100,000
DEBT TO INCOME RATIO: 34%
MISCELLANEOUS COMMENTARY: DCU has always been great to use and I reccommend them to anybody!

Message 4196 of 4,200
Valued Member

Re: Auto Loan Approvals!

APPROVING BANK: MAPS CREDIT UNION
BUREAU PULLED: EXPERIAN
CREDIT SCORE: 728

SOFT PULL/HARD PULL: HARD
CUSTOMER STATE OF RESIDENCE: OREGON
NEW/USED: USED/REFINANCE
YEAR OF VEHICLE: 2017
MAKE: CHEVROLET
MODEL: CAMARO
MILEAGE: 30,000
REFINANCE LOAN AMOUNT: $21,088

ORIGINAL PURCHASE PRICE: $34,000
AMOUNT OF LOAN: $21,088
TERM CONTRACTED: 72 MONTHS
APR/LEASE RATE: 3.75%
MONTHLY PAYMENT: $330
ANNUAL INCOME: $56,000
DEBT TO INCOME RATIO: 58%/37% (JOINT MORTGAGE/ONLY INCLUDING MY HALF)
MISCELLANEOUS COMMENTARY: I have a joint mortgage with my brother, but even though I only pay 50% they calculate my DTI using the full payment. Took some negotians and additional documentation, but I convinced them to use the 37% DTI figure (which is the reality). I have banked with them for almost 10 years and my brother and I have a joint account there, so I told him that I have 10 months of bank statements showing transfers of 50% of the payment from our individual accounts to the joint account and the full payment going out to the mortgage company to prove that I truly do just pay 50%. Super stoked about this as the next best rate that I received was from NFCU for 5.29%! I'm supposed to sign on this either today or Monday depending on when UPS delivers the copy of my title!






Message 4197 of 4,200
New Visitor

Re: Auto Loan Approvals!

APPROVING BANK: USAA
BUREAU PULLED: Equifax
CREDIT SCORE: 736

SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: TN
NEW/USED: New
YEAR OF VEHICLE: 2019
MAKE: Audi
MODEL: A5 Sportback
MILEAGE: 54
FINANCE/LEASE: Finance

PURCHASE PRICE: $57000
AMOUNT OF LOAN: 29557
TERM CONTRACTED: 60
APR/LEASE RATE: 3.19
MONTHLY PAYMENT: $532.25
ANNUAL INCOME: $135,000
DEBT TO INCOME RATIO: 19%
MISCELLANEOUS COMMENTARY: Took more time to negotiate than it did to get the loan, approved in less than 2 minutes.  

Message 4198 of 4,200
Contributor

Re: Auto Loan Approvals!

congrats....I got approved for auto loan and cc yesterday and then boom my membership was denied.....the app process was pretty easy....Still waiting to find out why....congrats....

Message 4199 of 4,200
Established Member

Re: Auto Loan Approvals!

APPROVING BANK: Pen Fed Credit Union
BUREAU PULLED:   Equifax 727
CREDIT SCORE: Fico 8 714

SOFT PULL/HARD PULL:  Hard
CUSTOMER STATE OF RESIDENCE: NC
NEW/USED: New
YEAR OF VEHICLE: 2020
MAKE: Kia
MODEL: Sportage S AWD
MILEAGE: 12
FINANCE/LEASE: Finance

PURCHASE PRICE: 31500
AMOUNT OF LOAN: 
TERM CONTRACTED: 72 months
APR/LEASE RATE: 5.09
MONTHLY PAYMENT: 565
ANNUAL INCOME: 141k
DEBT TO INCOME RATIO: 
MISCELLANEOUS COMMENTARY: Kia pulled Equifax (727) to see what rate they think I'd get and Pen Fed Cred unit soft pulled Trans Union and my score was 742.  

Message 4200 of 4,200
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.