APPROVING BANK: TD Bank NA
BUREAU PULLED: Transunion
CREDIT SCORE: FICO 8 - 723 / FICO AUTO 8 - 735
SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: California
NEW/USED: Used / CPO
YEAR OF VEHICLE: 2024
MAKE: Cadillac
MODEL: XT4
MILEAGE: 11,205
FINANCE/LEASE: Finance
PURCHASE PRICE: $33,962
AMOUNT OF LOAN: $33,729
TERM CONTRACTED: 72 Months
APR/LEASE RATE: 7.65%
MONTHLY PAYMENT: $585
ANNUAL INCOME: $84,500
DEBT TO INCOME RATIO: 46%
MISCELLANEOUS COMMENTARY: Planning on refinancing with NFCU at some future date.
Rebuild Started March 2024
It is a Type S and the total price does include almost every available dealer installed option and an extended warranty. Did not have negative equity in the 2023 TLX Type S that I traded in. Since I had a very strong feeling the 2025 TLX Type S was going to be the last of the model I decided to get exactly what I wanted. Just the carbon fiber options raised the price almost $10k but I am happy with it. Luckily I did get the '25 to my desired specs since it is no longer available.
APPROVING BANK: SETF
BUREAU PULLED: Transunion
CREDIT SCORE: 791
SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: FL
NEW/USED: New
YEAR OF VEHICLE: 2025
MAKE: Toyota
MODEL: Tundra 1794
MILEAGE: 10
FINANCE/LEASE: Finance
PURCHASE PRICE: $69K
AMOUNT OF LOAN: $47K
TERM CONTRACTED: 72
APR/LEASE RATE: 1.99
MONTHLY PAYMENT: $707
ANNUAL INCOME: $128k
DEBT TO INCOME RATIO: 12%
APPROVING BANK: BMW Financial ( I asked dealer to only send to BMW first to see if they would pick it up. I have never bought a car over 55k and never owned a BMW). BMW Pre Approved me up 105k.
BUREAU PULLED:TU
CREDIT SCORE: They didn't say but TU F8 Auto Enhanced is 787
SOFT PULL/HARD PULL: Both
CUSTOMER STATE OF RESIDENCE: AL
NEW/USED: New
YEAR OF VEHICLE: 2026
MAKE: BMW
MODEL: BMW X5 RWD Sport Utility in Skyscraper Grey
MILEAGE:12
FINANCE/LEASE: Finance
PURCHASE PRICE:80475.00
AMOUNT OF LOAN: 86044 with 4622 trade in
TERM CONTRACTED: 72
APR/LEASE RATE: 3.49
MONTHLY PAYMENT: 1328
ANNUAL INCOME: 260k+
DEBT TO INCOME RATIO: Unknown haven't calculated in awhile.
POI: POI was not requested though I took tax returns with me just in case as I am self employed.
MISCELLANEOUS COMMENTARY: Easiest finance deal I have ever done with any dealership. I financed under my Business with a PG. I was in and out in less than 3 hours and most of that was because I didn't know anything about the car's features and we spent awhile going over the systems. Car is fully loaded including BMW 360 camera package. I deliberately did not put anything extra down as I am trying to take advantage of Section 179 Deduction of Vehicles over 6000 pounds.
Additional services ordered:
BMW Maintenance 4 Years 75k Miles - 1495$
Caltex Resistall - 659$
Nobills Dent Guard - 746$
BMW Road Hazard - 2805$ (tires and rims are 1700 each)
BMW Gap - 1200$
0 Down Required, but traded my Camry XSE in. Due to hail damage I took a greater loss on trade than I wanted to but I was net positive still. Goal is to pay off in 4 years.
Never thought I'd own a German car but wanted to indulge in something nice for a change. This BMW dealership likely won a customer for life. They went above and beyond for me and didn't waste my time. No Back and Forth BS that I've experieced at other Dealerships.
