Toyota Financial

[Anonymous]

At first they told me they wanted to pull all three, specifically: Equifax Auto 09, TransUnion FICO Auto 8, and Experian Auto Loan 8. I told them I didn't want that, and said they can choose one beauru and one credit report. Sales gal came back from her "manager's" office and said "that's fine, we can just use one". 

Avoided a triple pull of death and still was offered top tier financing 1.9% for 60mo which will probably beat out my Navy approval. 

[AllZero]

Congratulations on your approval!

[VanderSnoot]

Way to go. What other info did they ask for?

[Anonymous]

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@VanderSnoot wrote:

Way to go. What other info did they ask for?

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Thanks! I was only asked for my income, came prepared with my paystubs but they said no need.

[Credit4Growth]

Nice job and congratulations!

[355F1]

I just financed a 2021 Lexus LC 500 Convertible last month through Toyota Motor Credit (0% for 60 months!!!!!!) and I told them to only pull one bureau, but they said that due to the price of the vehicle they needed to pull 2 to make sure everything matched.

My FICO Auto 8 score was 837 so I didn't mind. 

[Anonymous]

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@355F1 wrote:

I just financed a 2021 Lexus LC 500 Convertible last month through Toyota Motor Credit (0% for 60 months!!!!!!) and I told them to only pull one bureau, but they said that due to the price of the vehicle they needed to pull 2 to make sure everything matched.

My FICO Auto 8 score was 837 so I didn't mind. 

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Congrats! Could be due to the fact that it's a Lexus and is presumably way more expensive than a Toyota, perhaps even a different underwriting criteria.

[355F1]

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@Anonymous wrote:

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@355F1 wrote:

I just financed a 2021 Lexus LC 500 Convertible last month through Toyota Motor Credit (0% for 60 months!!!!!!) and I told them to only pull one bureau, but they said that due to the price of the vehicle they needed to pull 2 to make sure everything matched.

My FICO Auto 8 score was 837 so I didn't mind. 

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Congrats! Could be due to the fact that it's a Lexus and is presumably way more expensive than a Toyota, perhaps even a different underwriting criteria.

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Most likely,

MSRP was $112,095 and I put $0 down.