Bank of America commercial auto loan

[Anonymous]

I am curious if anyone has any experience with BOA commercial auto lending. The Online application portal asks for business and guarantor info but does not specify if it's a personal hard pull or how it reports personally. Would appreciate any input from anyone who has experience. Looking to finance a $15-20k vehicle in the business name only, don't mind a PG but wish to avoid personal reporting. Thanks!

DPs:

10 year old LLC

80 Paydex

95 Experian biz 

mid 700s Fico 8

Update edit:

Ended up financing through Huntington Bank with a PG, reports on both personal and business. 2014 Mercedes C300 @ 5.69% 60months. 

[Creditaddict]

What are you trying to buy?

dealer?

I haven't seen business only through private party.

I also wouldn't go to BofA for dealership!

[Anonymous]

Purchasing a 2016-2017 BMW 5 series. Yes, dealer purchase. BOA also has a Mercedes direct program which looks interesting.

[LSJ]

Recently got approved for a B of A business auto loan.  They pull from Experian and yes it will be a hard pull!

[cartersconcierg]

What was your score around if I may ask? 

[LSJ]

My experian was a 743 @ the time of pull

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@cartersconcierg wrote:

What was your score around if I may ask? 

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My score was a 743 @ the time of pull

[LSJ]

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@cartersconcierg wrote:

What was your score around if I may ask? 

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Ended up going with GM Financial, which pulls from both equifax and transunion.  But they gave me better terms and were more flexible with the amounts

[cartersconcierg]

Nice ok thanks

[cartersconcierg]

I'm thinking about doing the same so good to know thanks

[Vandevere321]

hey thx for the data points, did the boa report monthly to your personal credit?

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@LSJ wrote:

Recently got approved for a B of A business auto loan.  They pull from Experian and yes it will be a hard pull!

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