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Lendingtree.com

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StartingOver87
Valued Member

Lendingtree.com

Anyone had and success with lendingtree.com?

My credit score is 602

Currently have 2 Collections Reporting as Paid
1 30 days late on an old CC from 06 Paid and Closed
Two Capital One CC's Both 300.00 Limit, Both under 10%
1 Amazon Store Card 400.00 Limit 50%
1 Orchard Bank CC 300.00 Limit under 5%
Current Score : EQ Fico 586 TU Fico 620
Goal : 700
Message 1 of 16
15 REPLIES 15
Anonymous
Not applicable

Re: Lendingtree.com

Several members have previously posted of success with Lending Tree. Although if your score is a FICO score it is going to present some challenges. If you don't get anything from them perhaps a dealer finance guy could help you explore some options.

Message 2 of 16
StartingOver87
Valued Member

Re: Lendingtree.com

I am pretty good friends with an owner of a dealership and he said my "Auto Beacon" is 602

My credit union is working with me to get me financed, they came with a pre-approval of 13,000

I bought a car in 07 and paid it off last year but it was never reported and when I called the finance company they told me that it was a mis understanding but that they could not report it. I have been going around and around with them, all they are willing to do is fax my credit union a paper saying how much the loan was for and how much my payment was and that I paid it off early without ever being late.

My CU says that it will help me to get a higher loan amount once they receive the letter so I am keeping my fingers crossed Smiley Happy

Currently have 2 Collections Reporting as Paid
1 30 days late on an old CC from 06 Paid and Closed
Two Capital One CC's Both 300.00 Limit, Both under 10%
1 Amazon Store Card 400.00 Limit 50%
1 Orchard Bank CC 300.00 Limit under 5%
Current Score : EQ Fico 586 TU Fico 620
Goal : 700
Message 3 of 16
doublespaces
Frequent Contributor

Re: Lendingtree.com

I am pretty sure auto beacon is an auto enhanced fico score which is used for people that have auto loan history.

Starting: EQ: 490 TU: ??? EX: ???
Current: EQ: 717 TU: 757 EX: 736 (lender)
Goal: 800+
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Amex: Zync, Gold Delta
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Message 4 of 16
SEACOASTNHMAN
Member

Re: Lendingtree.com

I just used them lastnight i'mpaying 11.50 right now @310.07 amonth and need to get lower rateI have made 13payments with 1 late (2days) Cap-one got back to me with 18.6% and I was like yea ok I would do that (not)

2nd one I got was from UP2DRIVE  @ 5.19% @ 272 for 60 but could go down another 0.50 if I do auto draft not to sure about UP2DRIVE (BMW) have not seen any real reviews

waiting on a 3rd from (innovative funding services) who ever that is ? never heard of them. I will call my local bank today and a credit union

try them if your looking it should give you the tools to give you a look at what is out there

 

goodluck


Starting Score: 582
Current Score: 670
Goal Score: 750


Take the FICO Fitness Challenge
Message 5 of 16
Anonymous
Not applicable

Re: Lendingtree.com

Did your credit union give you an APR on the loan along with the approval amount? If they gave you a reasonable APR then you could just go car shopping with the loan approval amount in mind. When you find what you want you could let the dealer try and beat the CU rate. The dealer finance people often will have inside tracks to approvals you may not get by shopping your own loan.

Message 6 of 16
StartingOver87
Valued Member

Re: Lendingtree.com

Didnt get any hits on lendingtree.com

Nissan approved me for 17,000 New Car but there isnt much to choose from on a Nissan lot for 17,000

 

Not sure where else to go.....

CU will only do 13,000 on a New Car so another dead end

Currently have 2 Collections Reporting as Paid
1 30 days late on an old CC from 06 Paid and Closed
Two Capital One CC's Both 300.00 Limit, Both under 10%
1 Amazon Store Card 400.00 Limit 50%
1 Orchard Bank CC 300.00 Limit under 5%
Current Score : EQ Fico 586 TU Fico 620
Goal : 700
Message 7 of 16
Anonymous
Not applicable

Re: Lendingtree.com


@StartingOver87 wrote:

Didnt get any hits on lendingtree.com

Nissan approved me for 17,000 New Car but there isnt much to choose from on a Nissan lot for 17,000

 

Not sure where else to go.....

CU will only do 13,000 on a New Car so another dead end


Why not just get a new car for $17,000?  You can get some decent cars for up to $20,000 and put enough down to get under 17.  I got what I think is a very nice, well-equipped car for $16,445 from Kia.

Message 8 of 16
Mnmailman
Valued Member

Re: Lendingtree.com

Get a lightly used vehicle. Credit unions often give new rates for cars up to 3-4 years old....

Message 9 of 16
tcbofade
Super Contributor

Re: Lendingtree.com


@SEACOASTNHMAN wrote:

 

@2nd one I got was from UP2DRIVE  @ 5.19% @ 272 for 60 but could go down another 0.50 if I do auto draft not to sure about UP2DRIVE (BMW) have not seen any real reviews




I bought a used car in 2007 with crappy dealer financing...refinanced with up2drive at 6.9% in 2008.

 

I use the auto draft and have never had any trouble with it or them.

 

My review = +1 for up2drive. 

Fico 8 10/01/25: EX 795, EQ 800, TU 793.
Fico 9: EX 812 04/15/25, EQ 804 04/08/25, TU 792 02/15/25.

Zero percent financing is where the devil lives...
Message 10 of 16
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