My previous loan was through Carvana (serviced by Bridgecrest), just shy of 20k with an APR of 11.57% for 72 months. I got this loan in October 2019, a few months after my bankruptcy was discharged in July 2019.
NFCU just approved me for 16.7k with an APR of 4.79% for 48 months. I only had 54 months left on my current loan, so my payments remain around the same, but will save a lot of interest and pay off sooner! (I plan to make biweekly payments as well.) It is a 2016 Mazda CX-5 with just shy of 70k miles on it.
I was so worried they wouldn't approve me, so I'm thrilled! They pulled TU, I don't know the score & haven't seen anything telling me what it was, but my auto loan score on TU from 04/02/2021 is 727. And my annual gross income is 40k.
FICO 8 on 5/31/19 ~~ EQ: 608, TU: 545, EX: 585
BK 7 DC 7/9/19
FICO 8 on 01/31/2023 ~~ EQ: 693, TU: 677, EX: 678
NFCU CLOC $1,000
Apple Card 4,500
Williams Sonoma $1,250
NFCU CashRewards $2,500
NFCU Flagship $12,100
Navy Federal Platinum $25,000
PenFed Pathfinder $12,500
Kemba CU Platinum $3,500
Amazon Store Card (Synchrony) $1500
Paypal Credit $850
Capital One QS $2,000
Capital One Spark $2,000
Overstock Store Card $2,150
AAoA: EQ - 7y9mo, TU - 7y8mo, EX - 5yr7mo (as of 01/31/2023); INQ are 2 EQ, 6 TU, and 5 EX.
New Auto Loan with NFCU (May 2022): 32k for 3.49%/60 months
My DPs: as of January 2023, I am full-time employed, 55k/year, 2 federal consolidated loans plus 3 new student loans, had perfect payment history with 0 derogs until 90 day lates prior to filing BK in March 2019.
