Road Loans

[BGMWPD320]

I just got an email from Road Loans telling me that I am approved for a car loan through them.  I also applied online today through the dealership but I haven't heard anything yet. 

Do you think I should hold off on Road Loans until I find out if the dealership can get me a better rate?

[EDub357]

Your EQ score if high enough to go to a CU and get approved.  Better rates than Roadloans

[BGMWPD320]

I doubt I use Road Loans now that my EX score just jumped 76 points in 11 days!!  My EQ is now my middle score and EX is my highest at 669!

[makeynik]

hi there BGM...
What did you do to get your fico to jump up so much in such little time?
Thanks...

[Anonymous]

They denied me in the mid 500's

[BGMWPD320]

Road Loans approved me but when I refused to verify ALL of my information (including full SSN) she stated she would just remove my approval.  I told her I would verify the last four but she stated I had to verify the entire number.

There is no way I am going to give out all of my information over the phone when I can't verify who I was talking to.

Toyota Financing approved me at 9% with zero down so that is what I went with.

[Lance66]

I got an approval with Roadloans last week.  With my scores not being that great,

I thought it was an okay deal.  $22000 @ 18% for 72 mo.   For whatever reason,

Cap 1 auto finance will not approve me, they just keep refering me to Roadloans.

I have two good auto loans with Cap 1.. one paid off and I am paying on the current

one now (will trade in this vehicle)... never late, on automatic payment and my

credit scores are better than they were when I got this loan and my credit util is down

to 17%.  I called them and they don't do manual review and they were no help at all.

I may have to go with this Roadloans thing... I don't really want to.. but.. it's an okay

offer for somebody like me I guess.

7/13/08   EX 610, TU 559, EQ 544 (hate Equifax!!)