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Auto Loan Approvals!

disdreamin
Established Contributor

Re: Auto Loan Approvals!


@Rubbersoul2021 wrote:

Congrats on the CX-5! In the process of buying a used 2016 Grand Touring myself right now! Those leather seats are niceeeeeee


I am SO tempted to trade my 2017 - I looked up kbb value on it recently and just about keeled over. The leather seats are okay, but those perforations catch all the things. It's a little frustrating at times tbh.

Message 4631 of 4,633
sccredit
Valued Contributor

Re: Auto Loan Approvals!

APPROVING BANK: Wells Fargo Dealer Services
BUREAU PULLED: TransUnion
CREDIT SCORE: 726/822 (Joint)

SOFT PULL/HARD PULL: Hard Pull
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: Used
YEAR OF VEHICLE: 2018
MAKE: Volkswagen
MODEL: Tiguan SEL Premium 4Matic
MILEAGE: 54k
FINANCE/LEASE: Finance

PURCHASE PRICE: $6,575
AMOUNT OF LOAN: $24,075
TERM CONTRACTED: 72
APR/LEASE RATE: 4.51%
MONTHLY PAYMENT: $381
ANNUAL INCOME: $135k
DEBT TO INCOME RATIO: Somehwre around 20%
MISCELLANEOUS COMMENTARY: Took forever to find the exact car DW wanted as a replacement to her Infiniti lease. We weren't planning on financing but they offered a $2k discount if we financed so we took their 4.51% rate and 72 month term. We will pay it off in a few months and figured the $2k discount was worth it.

Ch 7 Discharge 3/12/2018
Cap One VentureOne $3,500, CapOne Savor $5,300, Kohls $3,000, Comenity MC $4,900
Infiniti Financial Lease (Ends 11/2021
California Coast CU Auto Loan $36k 2.48%

Goal: New Mortgage 3/2022
Message 4632 of 4,633
jrmalvarez
Valued Member

Re: Auto Loan Approvals!

I am extremely late to posting but want to share too as this was the first car I ever financed on my own and the most expensive thing I have purchased. 

 

APPROVING BANK: Mercedes Financial Services
BUREAU PULLED: Experian
CREDIT SCORE: 754

SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: California
NEW/USED: Used (Lease Return)
YEAR OF VEHICLE: 2017
MAKE: Mercedes Benz
MODEL: C300 Sport Sedan 
MILEAGE: 31k
FINANCE/LEASE: Finance

PURCHASE PRICE: 26k
AMOUNT OF LOAN: 32k
TERM CONTRACTED: 72 months
APR/LEASE RATE: 0.99%
MONTHLY PAYMENT: 498$
ANNUAL INCOME: 65k 
MISCELLANEOUS COMMENTARY Extended warranty was added. I traded in my 2006 Acura TSX for 500$. Yes, I know I could have sold it some where else for much more but I was desperate to get rid of the thing! Also, I bought my car at just the right time in July of 2020 before the chip shortage and inflation of (used) car prices. 

EXP: 753 - EQ: 744 - TU: 740
AMEX BCP: 21k CL
CHase Sapphire Reserve: 17.3k CL
Citi Rewards+: 11.5k CL
Discover IT: 10.5k CL
Amazon Store: 10k CL
Mercedes Auto Loan 32k @ 0.99%

Message 4633 of 4,633
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