APPROVING BANK: NMAC
BUREAU PULLED: EQ
CREDIT SCORE: 650
CUSTOMER STATE OF RESIDENCE: GA
NEW/USED: NEW
YEAR OF VEHICLE: 2011
BUREAU PULLED: EQ
CREDIT SCORE: 650
CUSTOMER STATE OF RESIDENCE: GA
NEW/USED: NEW
YEAR OF VEHICLE: 2011
MAKE: NISSAN
MODEL: ALTIMA SL
MILEAGE: 24
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: ~$29,500
TERM CONTRACTED: 72 MONTHS
APR/LEASE RATE: 8.9
MONTHLY PAYMENT: ~$532
MISCELLANEOUS COMMENTARY: ACTUALLY I QUALIFIED FOR 0% APR FOR 60 MONTHS OR 1.9% FOR 72 MONTHS...SO WHY TAKE THE 8.9? I HAD A TRADE THAT HAD ABOUT $7,800 NEGATIVE EQUITY! I HAD A CAR WITH 94,000 MILES THAT WAS GIVING ME LOTS OF PROBLEMS, ACTUALLY NEEDED WORKED DONE ON IT, BUT WAS STARTING TO FEEL LIKE A MONEY PIT. ANYWAY, I ONLY HAD $2000 TO PUT DOWN AND THEY GAVE ME $1250 OFF INCENTIVE (YOU EITHER GET SPECIAL RATE OR MONEY OFF). NMAC WOULDN'T ALLOW ME TO ROLL THAT MUCH NEGATIVE EQUITY INTO THE NEW LOAN WITHOUT PUTTING A LOT DOWN FOR THE SPECIAL FINANCE RATE. BUT I'M HAPPY, I TRADED MY 2008 ALTIMA BASE MODEL AND WAS ABLE TO GET A NEW ONE WITH LEATHER SEATS, BLUETOOTH, ALLOY WHEELS, AND A COUPLE EXTRA BELLS AND WHISTLES. JUST A YEAR AGO MY CREDIT SCORE WAS ABOUT 577 OR WORSE AND I COULDN'T GET APPROVED THROUGH ANYONE. THANKS MYFICO FOR ALL OF THE HELP! I WAS ALSO PREAPPROVED THROUGH USAA AND NAVY FEDERAL. USAA ONLY APPROVED FOR $25,500 SO I WOULD NEED ABOUT $4,000 DOWN. AND MY ANNUAL SALARY IS $53,000/YEAR
MILEAGE: 24
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: ~$29,500
TERM CONTRACTED: 72 MONTHS
APR/LEASE RATE: 8.9
MONTHLY PAYMENT: ~$532
MISCELLANEOUS COMMENTARY: ACTUALLY I QUALIFIED FOR 0% APR FOR 60 MONTHS OR 1.9% FOR 72 MONTHS...SO WHY TAKE THE 8.9? I HAD A TRADE THAT HAD ABOUT $7,800 NEGATIVE EQUITY! I HAD A CAR WITH 94,000 MILES THAT WAS GIVING ME LOTS OF PROBLEMS, ACTUALLY NEEDED WORKED DONE ON IT, BUT WAS STARTING TO FEEL LIKE A MONEY PIT. ANYWAY, I ONLY HAD $2000 TO PUT DOWN AND THEY GAVE ME $1250 OFF INCENTIVE (YOU EITHER GET SPECIAL RATE OR MONEY OFF). NMAC WOULDN'T ALLOW ME TO ROLL THAT MUCH NEGATIVE EQUITY INTO THE NEW LOAN WITHOUT PUTTING A LOT DOWN FOR THE SPECIAL FINANCE RATE. BUT I'M HAPPY, I TRADED MY 2008 ALTIMA BASE MODEL AND WAS ABLE TO GET A NEW ONE WITH LEATHER SEATS, BLUETOOTH, ALLOY WHEELS, AND A COUPLE EXTRA BELLS AND WHISTLES. JUST A YEAR AGO MY CREDIT SCORE WAS ABOUT 577 OR WORSE AND I COULDN'T GET APPROVED THROUGH ANYONE. THANKS MYFICO FOR ALL OF THE HELP! I WAS ALSO PREAPPROVED THROUGH USAA AND NAVY FEDERAL. USAA ONLY APPROVED FOR $25,500 SO I WOULD NEED ABOUT $4,000 DOWN. AND MY ANNUAL SALARY IS $53,000/YEAR
Starting Score: 566 EQ, 599 TU 9/2010@ Ortz33_ : The sticker price was $27,260 not including tax, tag, and title. My 2008 had a payoff of about $17,700 and they gave me $10,000 for it. So they rolled nearly $8k over into the new loan and I got $1250 off plus my down payment of $2000. They discounted the purchase price because I used USAA Auto Circle and was given quotes from 3 certified dealers that were way less than the dealership I went to. I didn't want to drive 50+ miles, so I stopped by the local Nissan place and they said they would meet or beat the USAA price which was $3000 - $5000 off invoice depending on options. So with almost $8000 upside down, I end up with $29,500 approximately total price financed including gap insurance, tax, tag, title. Hope that wasn't too confusing...I know I did a lot of typing to get to the qustion you asked. I called them yesterday and basically told them that they would have to beat the USAA price or I was going to the other dealership so they were eager to please...very nice and helpful. Yes, 94,000 miles on a 2008. Funny thing is I bought it brand new and one month after buying it my husband at the time wrecked it and since then, it has had a new motor, new transmission, new water pump, 2 new alternators and just found out it needed to get cv joints. I was so happy to get rid of that thing! Good luck on your search for Altima. It's a great car and I'm loving the new car smell! 
APPROVING BANK:1st advantage credit union
BUREAU PULLED:EQ
CREDIT SCORE:614
CUSTOMER STATE OF RESIDENCE:VA
NEW/USED: NEW
YEAR OF VEHICLE: 2011
BUREAU PULLED:EQ
CREDIT SCORE:614
CUSTOMER STATE OF RESIDENCE:VA
NEW/USED: NEW
YEAR OF VEHICLE: 2011
MAKE
ODGE
ODGEMODEL:NITRO
MILEAGE:11
RETAIL/LEASE:
AMOUNT OF LOAN:30000
TERM CONTRACTED:72
APR/LEASE RATE:9.75
MONTHLY PAYMENT:$568
MISCELLANEOUS COMMENTARY: was about $5400 upside dwn....did add warranty and gap...love this truck...sound sytem,rims,4WD very smoth ride...jus a great truck
MILEAGE:11
RETAIL/LEASE:
AMOUNT OF LOAN:30000
TERM CONTRACTED:72
APR/LEASE RATE:9.75
MONTHLY PAYMENT:$568
MISCELLANEOUS COMMENTARY: was about $5400 upside dwn....did add warranty and gap...love this truck...sound sytem,rims,4WD very smoth ride...jus a great truck
APPROVING BANK: BMW Financial
BUREAU PULLED: TU
CREDIT SCORE: 675
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: NEW
YEAR OF VEHICLE: 2011
BUREAU PULLED: TU
CREDIT SCORE: 675
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: NEW
YEAR OF VEHICLE: 2011
MAKE: BMW
MODEL: 335d
MILEAGE: 5000
RETAIL/LEASE: RETAIL
MILEAGE: 5000
RETAIL/LEASE: RETAIL
AMOUNT DOWN: 2000
PRICE OF VEHICLE: 40000
MSRP PRICE OF VEHICLE: 48000
AMOUNT OF LOAN: 48000
TERM CONTRACTED: 60 MONTHS
APR/LEASE RATE: 4.9
MONTHLY PAYMENT: ~$693
MISCELLANEOUS COMMENTARY: This is an update to my earlier post. We had to renogotiate the price, because BMW would not finance above the MSRP value.
AMOUNT OF LOAN: 48000
TERM CONTRACTED: 60 MONTHS
APR/LEASE RATE: 4.9
MONTHLY PAYMENT: ~$693
MISCELLANEOUS COMMENTARY: This is an update to my earlier post. We had to renogotiate the price, because BMW would not finance above the MSRP value.