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APPROVING BANK: Toyota Finance
CREDIT SCORE: EQ: 657
CUSTOMER STATE OF RESIDENCE: CO
NEW/USED: New
YEAR OF VEHICLE: 2010
MAKE: Toyota
MODEL: Prius
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 31000
TERM CONTRACTED: 60 months
APR/LEASE RATE: 0.9% ($558/MO)
INCOME: $74,000
MISCELLANEOUS COMMENTARY: I can't believe I got this rate. No down payment. I was also approved by NFCU for $36k, 8.79%. Couldn't be happier!!
Hey, guys. I'm so excited! After much hard work and stress, my local CU approved me for a car loan at top tier today! Now all I need is a car . . . I'll update when I actually get the car.
Finally got my car, so I'm revising the above post to show my actual vehicle and terms:
MODEL: RAV4 (V6/base with upgrades)
MILEAGE: 32
RETAIL/LEASE: Retail
AMOUNT OF LOAN: Price of car; $26,651; $12,500 down; amount of loan $15,335
TERM CONTRACTED: 48 months
APR/LEASE RATE: 2.99
MONTHLY PAYMENT: $339
MISCELLANEOUS COMMENTARY: In the finance office, they offered me a 2.4% rate, but I declined because I was tired, and didn't trust myself to spot any shell games they might play, and because I really wanted to give the business to my local credit union--that's what they're there for!
This is a real victory for me. After a lifetime of crappy credit, I worked very hard to keep everything in line and save for a large downpayment. All baddies fell off, got a small credit card, used it and paid, it --and look where I am -- 757! Will try to put another $1,000 down at least when I sell my previous car, and pay extra principal monthly (or periodically) in order to pay off quicker. Debt is slavery!
MODEL: Accent
MILEAGE: 34
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN:$8000 ($10,500 car)
TERM CONTRACTED: 60
APR/LEASE RATE: 9.8%
MONTHLY PAYMENT: 169.0
MISCELLANEOUS COMMENTARY: My first car purchase. So happy!!
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APPROVING BANK: BMW Financial
BUREAU PULLED: Transunion (this is what the dealership told me) I also received an alert that Experian was pulled.
CREDIT SCORE: 678 (transunion) this score is 25 points higher than what Myfico gave me, I wonder if was the auto enhanced
CUSTOMER STATE OF RESIDENCE: Kentucky
NEW/USED: Certified Pre-Owned
YEAR OF VEHICLE: 2008
MAKE: BMW
MODEL: 328i
MILEAGE: 20,205
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 20,000-ish, I don’t have the exact number in front of me.
TERM CONTRACTED: 60 Months
APR/LEASE RATE: 2.9
MONTHLY PAYMENT: $366
MISCELLANEOUS COMMENTARY: