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TODAY'S APPROVALS

MarvBear

By MarvBear
in Automotive Financing

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The last post in this topic was posted 2925 days ago. 

 

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MarvBear

MarvBear

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Please post your automotive approvals in this thread using the below format. Provide as much of the information as you reliably know.

 

This is just for approvals, please keep extraneous comments related to any approval you see out of this thread. If you have a question or comment, please start a new topic in the main automotive forum for responses.

 

APPROVING BANK

BUREAU PULLED

CREDIT SCORE

CUSTOMER STATE OF RESIDENCE

NEW/USED

YEAR OF VEHICLE

MILEAGE

RETAIL/LEASE

AMOUNT OF LOAN

ADVANCE PERCENTAGE

TERM CONTRACTED

APR/LEASE RATE

MONTHLY PAYMENT

MISCELLANEOUS COMMENTARY:


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Zobelle
Zobelle

APPROVING BANK NFCU BUREAU PULLED Equifax CREDIT SCORE 792 CUSTOMER STATE OF RESIDENCE TX NEW/USED Used YEAR OF VEHICLE 2010 MILEAGE 64,000 RETAIL/LEASE Retail AMOUNT OF LOAN $26,200 ADVANCE PERCENTAG

pioneer2005
pioneer2005

APPROVING BANK -Capital One Auto Finance BUREAU PULLED -TU, EX CREDIT SCORE -593 TU, 564 Equifax CUSTOMER STATE OF RESIDENCE - TX NEW/USED- Used Chevy Equinox YEAR OF VEHICLE -2015 MILEAGE -14926 RET

markca
markca

APPROVING BANK KIA Motors Financing BUREAU PULLED EX & TU -- Dealer pulled EX & TU, while KIA Motors Financing pulled EX. CREDIT SCORE EX: 779 / TU: 817 CUSTOMER STATE OF RESIDENCE CA NEW/USE

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MarvBear

MarvBear

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APPROVING BANK GMAC

BUREAU PULLED Experian

CREDIT SCORE 740

CUSTOMER STATE OF RESIDENCE Florida

NEW/USED Used

YEAR OF VEHICLE 2005

MILEAGE 93611

RETAIL/LEASE Retail

AMOUNT OF LOAN 14564.17

ADVANCE PERCENTAGE 191%

TERM CONTRACTED 72

APR/LEASE RATE 8.65

MONTHLY PAYMENT 260.00

MISCELLANEOUS COMMENTARY: very old credit file. 81% available utilization. Mortgage accounts all PIF.

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MarvBear

MarvBear

Posted
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Posted

APPROVING BANK GMAC

BUREAU PULLED Experian

CREDIT SCORE 731

CUSTOMER STATE OF RESIDENCE Florida

NEW/USED New

YEAR OF VEHICLE 2007

MILEAGE 326

RETAIL/LEASE Retail

AMOUNT OF LOAN 28738.80

ADVANCE PERCENTAGE 73%

TERM CONTRACTED 72

APR/LEASE RATE 8.85

MONTHLY PAYMENT 517.77

MISCELLANEOUS COMMENTARY: PREVIOUS BK CH 7 FROM 2003 REPORTING DISCHARGED. 97% REVOLVING AVAILABLE. SELF EMPLOYED. GOOD MORTGAGE HISTORY AND GOOD PREVIOUS CAR CREDIT HISTORY. LONGEVITY IN RESIDENCE AND SELF EMPLOYED FOR 25 YEARS.

somedaysomehow

somedaysomehow

Posted
Posted

APPROVING BANK Capital One

BUREAU PULLED All three

CREDIT SCORE TU 526, EQ 583, EX 567

CUSTOMER STATE OF RESIDENCE Virginia

NEW/USED Used

YEAR OF VEHICLE 2004

MILEAGE 27200

RETAIL/LEASE Retail

AMOUNT OF LOAN $12,000

ADVANCE PERCENTAGE Not sure what this is, Marv. Can you explain?

TERM CONTRACTED 72 months ;) - I think this was because CapOne limited how high a percentage of my income my payment could be, and my income is low. This is just a theory, though. The finance guy never asked me what term I wanted.

APR/LEASE RATE 21.99%

MONTHLY PAYMENT $303

MISCELLANEOUS COMMENTARY: BK7 Discharged two days before car purchase. Have one credit card in good standing with Cap One (only had it a few months). Have previous history with CapOne also - all accounts PIF. CapOne was not IIB.

Bloody but Unbowed

Bloody but Unbowed

Posted
Posted

APPROVING BANK BMW FINANCIAL SERVICES

BUREAU PULLED EQUIFAX (soft of TU+EX)

CREDIT SCORE 677

CUSTOMER STATE OF RESIDENCE DE

NEW/USED USED CPO

YEAR OF VEHICLE 2005

MILEAGE 43297

RETAIL/LEASE RETAIL

AMOUNT OF LOAN 48568

ADVANCE PERCENTAGE """Please Fill in MARV

TERM CONTRACTED 60

APR/LEASE RATE 2.9%

MONTHLY PAYMENT 846

MISCELLANEOUS COMMENTARY: Auto Loan history is perfect (4 prev loans). Highest prev loan was 30000. 3 Judgments (2pd,1unpd). Lots of collections on other reports but only 1 on this one. I was pleasantly surprised.

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MarvBear

MarvBear

Posted
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APPROVING BANK Citifinancial

BUREAU PULLED Equifax

CREDIT SCORE 601

CUSTOMER STATE OF RESIDENCE Florida

NEW/USED New

YEAR OF VEHICLE 2008

MILEAGE 4

RETAIL/LEASE Retail

AMOUNT OF LOAN $17976.94

ADVANCE PERCENTAGE 105%

TERM CONTRACTED 72

APR/LEASE RATE 12.99

MONTHLY PAYMENT $360.77

MISCELLANEOUS COMMENTARY: Previous BK back in 2002, many charged off credit cards since BK. Two very short term PIF auto loans on file for less than 2 years.

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MarvBear

MarvBear

Posted
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APPROVING BANK GMAC

BUREAU PULLED EXPERIAN

CREDIT SCORE 0

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED USED

YEAR OF VEHICLE 2004

MILEAGE 46319

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $13555.51

ADVANCE PERCENTAGE 107%

TERM CONTRACTED 60

APR/LEASE RATE 13.15%

MONTHLY PAYMENT 311.14

MISCELLANEOUS COMMENTARY: ONLY ONE PREVIOUS WELL PAID OUT AUTO LOAN THAT IS ABOUT TO FALL OFF THE BUREAU.

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MarvBear

MarvBear

Posted
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Posted

APPROVING BANK GMAC

BUREAU PULLED EXPERIAN

CREDIT SCORE 793

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED USED

YEAR OF VEHICLE 2004

MILEAGE 34410

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $15142.65

ADVANCE PERCENTAGE 118%

TERM CONTRACTED 72

APR/LEASE RATE 8.55%

MONTHLY PAYMENT $269.58

MISCELLANEOUS COMMENTARY: ONE OPEN AUTO LOAN NOT BEING TRADED. CAR WAS RECENTLY TOTALED AND CUSTOMER HAD GAP INSURANCE, WAS NOT STIPPED FOR PROOF OF TRADE OR PROOF OF GAP PAYOFF. SYSTEM AUTO GENERATED APPROVAL.

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MarvBear

MarvBear

Posted
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Posted

APPROVING BANK CITIFINANCIAL

BUREAU PULLED EQUIFAX

CREDIT SCORE 531

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED USED

YEAR OF VEHICLE 2006

MILEAGE 11726

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $15885.86

ADVANCE PERCENTAGE 135%

TERM CONTRACTED 72

APR/LEASE RATE 18.77%

MONTHLY PAYMENT $372.11

MISCELLANEOUS COMMENTARY: PREVIOUS HIGH CREDIT WAS $4063, WHICH WAS AN AUTO THAT WAS REPOSSESSED. ONLY POSITIVE CREDIT CONSUMER HAS IS MULTIPLE SMALL LIMIT CREDIT CARDS. 10 YEAR JOB.

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MarvBear

MarvBear

Posted
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Posted

APPROVING BANK CITIFINANCIAL

BUREAU PULLED EQUIFAX

CREDIT SCORE 587

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED USED

YEAR OF VEHICLE 2007

MILEAGE 18946

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $16420.65

ADVANCE PERCENTAGE 130%

TERM CONTRACTED 72

APR/LEASE RATE 17.50%

MONTHLY PAYMENT $372.55

MISCELLANEOUS COMMENTARY: PREVIOUS TERTIARY CUSTOMER, TRADING IN TERTIARY LOAN WITH 18 MONTHS OF GOOD PAYMENT HISTORY. 2+ YEAR JOB TIME. 10 YEAR RESIDENTIAL HISTORY IN SAME ADDRESS.

anforlguy80

anforlguy80

Posted
Posted (edited)

APPROVING BANK WACHOVIA

BUREAU PULLED EQUIFAX

CREDIT SCORE 623

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED USED

YEAR OF VEHICLE 2007

MILEAGE 2384

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $12498

ADVANCE PERCENTAGE %

TERM CONTRACTED 60

APR/LEASE RATE 17.28%

MONTHLY PAYMENT $278.21

MISCELLANEOUS COMMENTARY: FIRST AUTO PURCHASE ACCORDING TO EQUIFAX - PREVIOUS AUTO LOAN D/C THRU BK7 THEN DELETED OFF THROUGH DISPUTES ALONG WITH BK RECORD (YAY!) FIRST TIME EVER WITH A PRIME LENDER - YAY!! :cry2:

Edited by MarvBear
chinabloo

chinabloo

Posted
Posted

OK, I finally have all the blanks filled in....

 

APPROVING BANK Wachovia

BUREAU PULLED Equifax

CREDIT SCORE TU - 608, EQ - 636, EX - 665

CUSTOMER STATE OF RESIDENCE Washington

NEW/USED Used

YEAR OF VEHICLE 2005 Explorer XLT

MILEAGE 65,000

RETAIL/LEASE Retail

AMOUNT OF LOAN 14800

ADVANCE PERCENTAGE 80%

TERM CONTRACTED 72

APR/LEASE RATE 8.4%

MONTHLY PAYMENT $265

MISCELLANEOUS COMMENTARY: This was with $1500 down which basically covered tax, Title, etc. Chap 7 discharged 5/2007. Gross income $6500/month, CC utilization 52% of $3800, only other debt is $338/month student loan.

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MarvBear

MarvBear

Posted
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Posted

APPROVING BANK GMAC

BUREAU PULLED EXPERIAN

CREDIT SCORE 733

CUSTOMER STATE OF RESIDENCE FL

NEW/USED USED

YEAR OF VEHICLE 2007

MILEAGE 33144

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $28547.99

ADVANCE PERCENTAGE 132%

TERM CONTRACTED 72

APR/LEASE RATE 9.74%

MONTHLY PAYMENT 528.73

MISCELLANEOUS COMMENTARY: ONE YEAR OLD CHAPTER 7 BK ON FILE. KEPT VEHICLE THRU BK AND PAID FINE. PREVIOUS AUTO CREDIT PERFECT.

Burton007

Burton007

Posted
Posted

Hello all...

 

APPROVING BANK Safe Credit Union

BUREAU PULLED Experian

CREDIT SCORE 698

CUSTOMER STATE OF RESIDENCE California

NEW/USED Used

YEAR OF VEHICLE 2007

MILEAGE 7500

RETAIL/LEASE Retail

AMOUNT OF LOAN 27315

ADVANCE PERCENTAGE ???

TERM CONTRACTED 72 months

APR/LEASE RATE 6.9%

MONTHLY PAYMENT $471

MISCELLANEOUS COMMENTARY: This credit union rocks and I can refinance if I choose down the road.

approveo

approveo

Posted
Posted (edited)

APPROVING BANK: ford motor credit

BUREAU PULLED: equifax

CREDIT SCORE: 606

CUSTOMER STATE OF RESIDENCE: sc

NEW/USED: new

YEAR OF VEHICLE: 2007

MILEAGE:23

RETAIL/LEASE: retail

AMOUNT OF LOAN: 27659.00

ADVANCE PERCENTAGE:

TERM CONTRACTED: 60 months

APR/LEASE RATE: 15

MONTHLY PAYMENT: 673.00

MISCELLANEOUS COMMENTARY: Had problem getting a loan due to some identity theft problems, so having a main stream creditor, is good enough, rate is bad, but in such, I got a loan. FMCC Tier 4 approval.

Edited by MarvBear
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MarvBear

MarvBear

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Posted

APPROVING BANK Wachovia

BUREAU PULLED Equifax

CREDIT SCORE 519

CUSTOMER STATE OF RESIDENCE FL

NEW/USED New

YEAR OF VEHICLE 2008

MILEAGE 74

RETAIL/LEASE Retail

AMOUNT OF LOAN $18730.40

ADVANCE PERCENTAGE 89%

TERM CONTRACTED 72

APR/LEASE RATE 15.25%

MONTHLY PAYMENT $398.60

MISCELLANEOUS COMMENTARY: Just discharge CH 7 BK. No re-establishment since BK.

Fishy

Fishy

Posted
Posted (edited)

APPROVING BANK: BECU

BUREAU PULLED: Equifax

CREDIT SCORE: 763

CUSTOMER STATE OF RESIDENCE: OR

NEW/USED: Used

YEAR OF VEHICLE: 2007

MILEAGE: 29,462

RETAIL/LEASE: Retail

AMOUNT OF LOAN: 12,400

ADVANCE PERCENTAGE:

TERM CONTRACTED: 60 months

APR/LEASE RATE: 5.49%

MONTHLY PAYMENT: $243

MISCELLANEOUS COMMENTARY:

Edited by Fishy
AutoTechInSTL

AutoTechInSTL

Posted
Posted

St. Louis Area, MO

 

APPROVING BANK: "Triad" Financing

BUREAU PULLED: Exp

CREDIT SCORE: 590

CUSTOMER STATE OF RESIDENCE: MO

NEW/USED: USED

YEAR OF VEHICLE: 2005 Escape Hybrid

MILEAGE: 44,000

RETAIL/LEASE: RETAIL

AMOUNT OF LOAN: 16,000

ADVANCE PERCENTAGE: Don't know?

TERM CONTRACTED: 72 months

APR/LEASE RATE: 13.7%

MONTHLY PAYMENT: 330

MISCELLANEOUS COMMENTARY: BK7 Was just discharged 12/24. Had to put $1000 down. Vehicle blue books at 22K... salespeople didn't know it was a Hybrid! (It had just been traded in.. they hadn't even done their inspections yet when they told us the price).

 

APR kind of sucks, but happy to purchase it so close to our BK7. Our Insurance company (State Farm) told us to go to them after 12 months of good payments, and they'll be able to re-fi it for half the rate.

Cactus Flower

Cactus Flower

Posted
Posted (edited)

APPROVING BANK: JP Morgan/Chase Bank

BUREAU PULLED: TU & EQ

CREDIT SCORE: 703, 665 respectively

CUSTOMER STATE OF RESIDENCE: Arizona

NEW/USED: New

YEAR OF VEHICLE:2008

MILEAGE: 67

RETAIL/LEASE: Retail

AMOUNT OF LOAN: $34,373

ADVANCE PERCENTAGE: ?

TERM CONTRACTED: 75 mo

APR/LEASE RATE: APR 7.89%

MONTHLY PAYMENT: $584

MISCELLANEOUS COMMENTARY: Original contract w/ dealer was $0 cash down ($1500 trade-in), 8.9% APR for 84 months (ouch!), payments of $592. The above is the final deal.. another $1000 down, lower APR, 1 year cut off the loan and slightly lower paments. I had a discharged BK7 from 12/2002 on my CR's, no baddies since. Only started rebuilding in Fall of 2006 after finding CB.

Edited by Cactus Flower
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MarvBear

MarvBear

Posted
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Posted

APPROVING BANK FLAMINGO FINANCE

BUREAU PULLED EQUIFAX

CREDIT SCORE 410

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED USED

YEAR OF VEHICLE 2007

MILEAGE 14207

RETAIL/LEASE RETAIL

AMOUNT OF LOAN 11403.16

ADVANCE PERCENTAGE 68%

TERM CONTRACTED 44

APR/LEASE RATE 19.31%

MONTHLY PAYMENT 364.22

MISCELLANEOUS COMMENTARY: ONE OF THE WEAKEST CREDIT FILES I HAVE EVER SEEN. MULTIPLE REPOS, MULTIPLE CHARGEOFFS.

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MarvBear

MarvBear

Posted
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Posted

APPROVING BANK CITIFINANCIAL

BUREAU PULLED EQUIFAX

CREDIT SCORE 585

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED USED

YEAR OF VEHICLE 2004

MILEAGE 41024

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $15093.48

ADVANCE PERCENTAGE 141%

TERM CONTRACTED 72

APR/LEASE RATE 16.99

MONTHLY PAYMENT 338.03

MISCELLANEOUS COMMENTARY: THIN CREDIT FILE. MULTIPLE CHARGEOFFS AND LATE PAYS. GOOD PRIOR CAR CREDIT

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MarvBear

MarvBear

Posted
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Posted

APPROVING BANK SUNCOAST SCHOOLS FEDERAL CREDIT UNION

BUREAU PULLED EQUIFAX

CREDIT SCORE 782

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED USED

YEAR OF VEHICLE 2004

MILEAGE 9400

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $33379.49

ADVANCE PERCENTAGE 92%

TERM CONTRACTED 60

APR/LEASE RATE 5.25%

MONTHLY PAYMENT $633.92

MISCELLANEOUS COMMENTARY: LONG LONG CREDIT FILE & SPOTLESS IMPECCABLE CREDIT FILE. SUNCOAST SCHOOLS USES A NON AUTO ENHANCED FICO SCORE

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MarvBear

MarvBear

Posted
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Posted

APPROVING BANK GMAC

BUREAU PULLED EXPERIAN

CREDIT SCORE 609

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED USED

YEAR OF VEHICLE 2005

MILEAGE 24865

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $9987.19

ADVANCE PERCENTAGE 126%

TERM CONTRACTED 48

APR/LEASE RATE 13.49%

MONTHLY PAYMENT 271.36

MISCELLANEOUS COMMENTARY: SCORE IS LOW SIMPLY BECAUSE OF CREDIT CARD UTILIZATION. ALL CREDIT ON FILE IS ABSOLUTELY PERFECT. CUSTOMER IS OVERBURDENED WITH DEBT. THIS IS CAR LOAN NUMBER 3.

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MarvBear

MarvBear

Posted
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Posted

APPROVING BANK GMAC

BUREAU PULLED EXPERIAN

CREDIT SCORE 609

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED NEW

YEAR OF VEHICLE 2007

MILEAGE 187

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $25007.78

ADVANCE PERCENTAGE 59%

TERM CONTRACTED 72

APR/LEASE RATE 7.49%

MONTHLY PAYMENT $433.59

MISCELLANEOUS COMMENTARY: CUSTOMER BROUGHT IN DRAFT FROM SUNCOAST SCHOOLS FEDERAL CREDIT UNION. I WAS ABLE TO BEAT THE SUNCOAST SCHOOLS FEDERAL CREDIT UNION RATE BY MORE THAN 2 POINTS.

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MarvBear

MarvBear

Posted
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Posted

APPROVING BANK GMAC

BUREAU PULLED EXPERIAN

CREDIT SCORE 803

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED NEW

YEAR OF VEHICLE 2008

MILEAGE 72

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $17846.98

ADVANCE PERCENTAGE 104%

TERM CONTRACTED 72

APR/LEASE RATE 6.64%

MONTHLY PAYMENT $301.30

MISCELLANEOUS COMMENTARY: VERY OLD CREDIT FILE WITH SPOTLESS CREDIT.

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