Weird Auto Loan Question

[JRH1973]

well, it has been 2 days, what's the verdict? did you apply? what credit report did they pull?

[SyDiko]

Sorry for the suspense, lol

Yes, I was approved just 10 minutes ago for the $5,000 @ 3.19%; and I must say that the loan process was pleasantly painless. The only documentation that they required was a paystub, which was understandable. They are very fast (and nice,)  and everything is automated. You also pick your own autopay date, and you can change the terms a few weeks before the payments start in case you need more money. The best part is my payments actually dont start until June, which gives me ample time to get my crap box for work.

As for the credit bureau, I'm waiting for them to respond and I'll report back as soon as they do.

[JRH1973]

was 3.19 the lowest rate? i would hope so since you have a 760,, appreciate your response, I am considering applying for a Home Improvement loan with them.

[SyDiko]

For the loan amount that I was applying for 3.19% is the lowest. If you were to take between $10,000 and $25,000 the APR is 2.19%.

(Still no word on the CBs theypull from... I'll send another email this evening.)

[JRH1973]

what about the credit report pull? which one(s)?

[Remember0]

Given they are a division of SunTrust, if I had to quess, I'd say EQ. But no guarantees, just a hunch.

[JRH1973]

Yeah, I am getting ready to apply for a Home Improvement Loan with them, I can't find a better rate anywhere else

[Sunshine85]

They pull Equifax and Experian- hard pull for both.

From what I was told, they will not pull TU.