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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 2926 days ago. 

 

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neenee

neenee

Posted
Posted (edited)

APPROVING BANK - NFCU

BUREAU PULLED - TransUnion

CREDIT SCORE - 670

CUSTOMER STATE OF RESIDENCE - MI

NEW/USED - Used

YEAR OF VEHICLE - 2010

MILEAGE - 4054

RETAIL/LEASE - Retail

AMOUNT OF LOAN - $24844

ADVANCE PERCENTAGE -

TERM CONTRACTED - 60

APR/LEASE RATE - 5.99%

MONTHLY PAYMENT - $474

MISCELLANEOUS COM: VOLSKWAGEN CC

Edited by MarvBear

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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

spokanegod

spokanegod

Posted
Posted (edited)

APPROVING BANK: UICC

BUREAU PULLED: Equifax

CREDIT SCORE: 506

CUSTOMER STATE OF RESIDENCE: IA

NEW/USED: Used

YEAR OF VEHICLE: 2009

MILEAGE: 13100

RETAIL/LEASE: Retail

AMOUNT OF LOAN: 19470

ADVANCE PERCENTAGE: 48%

TERM CONTRACTED: 24 months

APR/LEASE RATE: 12.24%

MONTHLY PAYMENT: 918

MISCELLANEOUS COMMENTARY: Some bank believes in me again... its a great feeling; great feeling!

Edited by MarvBear
Guest Froachie

Guest Froachie

Posted
Posted (edited)

APPROVING BANK - Suntrust

BUREAU PULLED - Equifax

CREDIT SCORE - 719

CUSTOMER STATE OF RESIDENCE - FL

NEW/USED - New

YEAR OF VEHICLE - 2010

MILEAGE - 19

RETAIL/LEASE - Retail

AMOUNT OF LOAN - $41,230

ADVANCE PERCENTAGE -

TERM CONTRACTED - 72

APR/LEASE RATE - 6%

MONTHLY PAYMENT - $680

MISCELLANEOUS COM: Toyota Highlander Limited, FWD, loaded with every option. Was upside down 4k with my trade in. They rolled the neg. equity into the new loan. I didnt have to put any money down and I didnt need to show proof of income (I own a civil engineering business, LLC, less than a year old)

Edited by Froachie
AronF

AronF

Posted
Posted

APPROVING BANK : Farmers

BUREAU PULLED : TU

CREDIT SCORE : 710

CUSTOMER STATE OF RESIDENCE : OH

NEW/USED : Used

YEAR OF VEHICLE : 2008

MILEAGE : 44000

RETAIL/LEASE : Retail

AMOUNT OF LOAN : 22000

ADVANCE PERCENTAGE : 0

TERM CONTRACTED : 36

APR/LEASE RATE : 6%

MONTHLY PAYMENT : $650

MISCELLANEOUS COMMENTARY:

mcmc

mcmc

Posted
Posted (edited)

APPROVING BANK : San Francisco Federal Credit Union

BUREAU PULLED : Experian

CREDIT SCORE : 480 (according to them), 540 (Credit Check Monitoring)

CUSTOMER STATE OF RESIDENCE : CA

NEW/USED : Used

YEAR OF VEHICLE : 2008

MILEAGE : 35000

RETAIL/LEASE : Retail

AMOUNT OF LOAN : 20000

ADVANCE PERCENTAGE :

TERM CONTRACTED : 60

APR/LEASE RATE : 9.25%

MONTHLY PAYMENT : n/a

MISCELLANEOUS COMMENTARY: Pre-approval, likely getting a Mini Cooper. Very surprised at the rate I got. 20% down required

Edited by MarvBear
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MarvBear

MarvBear

Posted
  • Author
  • Admin
Posted

APPROVING BANK Americredit

BUREAU PULLED Equifax

CREDIT SCORE 519 auto enhanced

CUSTOMER STATE OF RESIDENCE Florida

NEW/USED used

YEAR OF VEHICLE 2007

MILEAGE 40807

RETAIL/LEASE retail

AMOUNT OF LOAN $21629.40

ADVANCE PERCENTAGE 127.52%

TERM CONTRACTED 72

APR/LEASE RATE 17.15

MONTHLY PAYMENT 482.75

MISCELLANEOUS COMMENTARY: currently past due on 1st and 2nd mortgage. However long job time and strong annual income, long residential history also.

dj13624

dj13624

Posted
Posted

APPROVING BANK Ford Motor Credit

BUREAU PULLED Equifax

CREDIT SCORE 620

CUSTOMER STATE OF RESIDENCE NY

NEW/USED New (my first ever)

YEAR OF VEHICLE 2011

MILEAGE zero (they have to build it)

RETAIL/LEASE retail

AMOUNT OF LOAN approx 16K

ADVANCE PERCENTAGE

TERM CONTRACTED 60mo

APR/LEASE RATE 6.9%

MONTHLY PAYMENT $320

MISCELLANEOUS COMMENTARY: was initially declined by FMC, but they reconsidered. shocked about APR :)

  • 2 weeks later...
rovercash

rovercash

Posted
Posted

APPROVING BANK JP Morgan Chase

BUREAU PULLED Experian and TransUnion

CREDIT SCORE 701 and 711

CUSTOMER STATE OF RESIDENCE CA

NEW/USED New Used

YEAR OF VEHICLE 2008

MILEAGE zero 43,000

RETAIL/LEASE retail

AMOUNT OF LOAN 22,500

ADVANCE PERCENTAGE

TERM CONTRACTED 72mo

APR/LEASE RATE 5.49%

MONTHLY PAYMENT $368

MISCELLANEOUS COMMENTARY: Thought my scores were lower. Had my wife co-sign, but don't think I needed it since my scores were higher than hers. Just never had an auto loan before.

VonneG

VonneG

Posted
Posted

APPROVING BANK Nissan Motor Corp

BUREAU PULLED Experian

CREDIT SCORE 638

CUSTOMER STATE OF RESIDENCE FL

NEW/USED New

YEAR OF VEHICLE 2010

MILEAGE 15

RETAIL/LEASE Lease

AMOUNT OF LOAN 31500

ADVANCE PERCENTAGE

TERM CONTRACTED 39

APR/LEASE RATE

MONTHLY PAYMENT 489 + Maintenance package = 518

MISCELLANEOUS COMMENTARY:

slloyd

slloyd

Posted
Posted

APPROVING BANK Wells Fargo

BUREAU PULLED Experian

CREDIT SCORE 610

CUSTOMER STATE OF RESIDENCE PA

NEW/USED Used

YEAR OF VEHICLE 2005

MILEAGE 42000

RETAIL/LEASE retail

AMOUNT OF LOAN 16k

ADVANCE PERCENTAGE ?

TERM CONTRACTED 60

APR/LEASE RATE 12

MONTHLY PAYMENT 380

MISCELLANEOUS COMMENTARY: I let the dealership go to bat for me and there were able to secure at least two approvals (and quite few automated denials) based on my credit score.

MownGo

MownGo

Posted
Posted

APPROVING BANK MidFlorida Credit Union

BUREAU PULLED Equifax

CREDIT SCORE 583

CUSTOMER STATE OF RESIDENCE FLorida

NEW/USED Used

YEAR OF VEHICLE 2002

MILEAGE 57500

RETAIL/LEASE

AMOUNT OF LOAN $7200

ADVANCE PERCENTAGE 78%

TERM CONTRACTED 36 months

APR/LEASE RATE 12.79%

MONTHLY PAYMENT $249.14

MISCELLANEOUS COMMENTARY:

Fitzhume

Fitzhume

Posted
Posted

APPROVING BANK NFCU Navy Federal

BUREAU PULLED Equifax & Transunion

CREDIT SCORE Eq fico - 657, Transunion fico - 676

CUSTOMER STATE OF RESIDENCE Massachusetts

NEW/USED Used

YEAR OF VEHICLE 2009

MILEAGE 32,000

RETAIL/LEASE

AMOUNT OF LOAN $25,000

ADVANCE PERCENTAGE 100%

TERM CONTRACTED 60

APR/LEASE RATE 8.49

MONTHLY .PAYMENT $516.27

MISCELLANEOUS COMMENTARY: BK7 June 09, Preapproved up to $25,000. Asked them to pull TU as well as EQ (TU score was higher). The CSR at NFCU told me they would pull both and use the higher score. Had to fax in last two paystubs. Digital credit union (DCU) and capital one auto finance both denied due to BK.

sdexceed

sdexceed

Posted
Posted (edited)

APPROVING BANK - GMAC

BUREAU PULLED - TransUnion

CREDIT SCORE - 695

CUSTOMER STATE OF RESIDENCE - Ontario, Canada

NEW/USED - New

YEAR OF VEHICLE - 2010

MILEAGE - 0

RETAIL/LEASE - Retail

AMOUNT OF LOAN - $22000

ADVANCE PERCENTAGE - 110%

TERM CONTRACTED - 72

APR/LEASE RATE - 5.87%

MONTHLY PAYMENT - $364

MISCELLANEOUS COM:

Edited by sdexceed
Anish

Anish

Posted
Posted

PPROVING BANK - BMW FS

BUREAU PULLED - All 3

CREDIT SCORE - Ex 730, Eq 706, Tu 715

CUSTOMER STATE OF RESIDENCE - CO

NEW/USED - New

YEAR OF VEHICLE - 2011

MILEAGE - 11

RETAIL/LEASE - Retail

AMOUNT OF LOAN - 52K (on 10k down)

ADVANCE PERCENTAGE - 100% Financing

TERM CONTRACTED - 60

APR/LEASE RATE - 0.9%

MONTHLY PAYMENT - $461

MISCELLANEOUS COMMENTARY:this monthly payment is after $10k down and with a $14K balloon payment due as the 61st payment.

Was not getting approved with no down, agreed only with 10k down, first installment loan of any kind. Gonna pick up on Saturday.

wneedles

wneedles

Posted
Posted

APPROVING BANK - CapitalOne Auto online

BUREAU PULLED - Don't know yet, can't be EXP (privacy blocked)

CREDIT SCORE - EQ758 FICO, TU 717 FICO, EX unknown

CUSTOMER STATE OF RESIDENCE - Indiana

NEW/USED - Used

YEAR OF VEHICLE - 2010 "fleet"

MILEAGE - 7400

RETAIL/LEASE - will use at Retail GM Dealer

AMOUNT OF LOAN - $18k

ADVANCE PERCENTAGE - 100%

TERM CONTRACTED - 48 months

APR/LEASE RATE - 3.1% APR

MONTHLY PAYMENT - $ 399.21

MISCELLANEOUS COMMENTARY: Chapter 7 discharged 1/2006, spotless repayments since, BK removed from EQ, still present on TU, 46 months completed on current auto loan with Citizens, instant online approval and "blank check" fedex overnight to take to dealer. No fees! Denied by Bof A online same night. suspect they tried to pull EXP. (blocked)

Sometyme

Sometyme

Posted
Posted

APPROVING BANK: Navy Federal Credit Union

BUREAU PULLED: Equifax/Transunion/Equifax

CREDIT SCORE: EQ-604 (first time) - declined; TU-620 (pre-approved); EQ-616 (final approval)

CUSTOMER STATE OF RESIDENCE: Ohio

NEW/USED: Used

YEAR OF VEHICLE: 2009

MILEAGE: 39,000

RETAIL/LEASE: Retail

AMOUNT OF LOAN: 13,739

ADVANCE PERCENTAGE: 125%

TERM CONTRACTED: 60 months

APR/LEASE RATE: 8.49%

MONTHLY PAYMENT: $290.00 (includes GAP)

MISCELLANEOUS COMMENTARY: Thanks Marv! Two bankruptcies (one because of my last car and not knowing about anything). The dealer tried to beat their rate...I knew I wasn't trying to get anything else and figured I would give them a shot. Couldn't beat the 11.49% I was pre-approved for. Went to get the check and saw they re-pulled my Equifax and rate was lowered 3%. :D Plan to pay off in three years. Got a Chevrolet Impala - end of the month and paid $24.00 over what the dealer paid at the auction.

TennisGalnAL

TennisGalnAL

Posted
Posted

APPROVING BANK - Ford Motor Credit

BUREAU PULLED - Not sure?

CREDIT SCORE - Salesman said Auto Beacon was 687

CUSTOMER STATE OF RESIDENCE - Alabama

NEW/USED - New

YEAR OF VEHICLE - 2011

MILEAGE - 38 miles

RETAIL/LEASE - Retail

AMOUNT OF LOAN - $38K (36K base and $2K negative equity rollover)

ADVANCE PERCENTAGE - 110%?

TERM CONTRACTED - 72 months

APR/LEASE RATE - 4.9 APR

MONTHLY PAYMENT - $ 606.97

MISCELLANEOUS COMMENTARY: Chapter 7 discharged 1/2003. Insurance totaled car last week resulting in a $2000 deficiency. Took the rebates on the new car for basically a wash and received 4.9% for 72 months. Salesman said he wasn't supposed to tell him but his credit score came back at a 687.

Andrew W

Andrew W

Posted
Posted

APPROVING BANK Mazda American Credit

BUREAU PULLED Transunion, Experian

CREDIT SCORE TU 744, EX 782

CUSTOMER STATE OF RESIDENCE CA

NEW/USED New

YEAR OF VEHICLE 2010

MILEAGE 50

RETAIL/LEASE Retail

AMOUNT OF LOAN $18,000

ADVANCE PERCENTAGE 80%

TERM CONTRACTED 60 months

APR/LEASE RATE 0%

MONTHLY PAYMENT $300

MISCELLANEOUS COMMENTARY: Approved for 0% financing up to 60 months through Mazda's college grad program

lgt525

lgt525

Posted
Posted (edited)

APPROVING BANK Capital One Auto Finance

BUREAU PULLED Transunion, Experian, Equifax

CREDIT SCORE TU 680, EX ? EQ 670

CUSTOMER STATE OF RESIDENCE MI

NEW/USED New

YEAR OF VEHICLE 2010-2011

MILEAGE 10

RETAIL/LEASE Retail

AMOUNT OF LOAN up to $24,000

ADVANCE PERCENTAGE not sure what this means. I am putting nothing down, and no trade in

TERM CONTRACTED 60 months

APR/LEASE RATE 4.42%

MONTHLY PAYMENT Depends on the car I pick out, this is a check I can take to any dealer

MISCELLANEOUS COMMENTARY: Approved for 4.42% financing up to 60 months through Capital One's auto financing. I can buy any new car up to 24k as long as the ltv is 110% or less. What is important about this is that I am only 10 months post discharge on a bk 7. I have very good auto payment history though so my auto fico is probably higher than the above numbers.

Edited by lgt525
NeverQuietHere

NeverQuietHere

Posted
Posted (edited)

APPROVING BANK: First Federal Finanacial Credit Union

BUREAU PULLED: TU

CREDIT SCORE TU: 667

CUSTOMER STATE OF RESIDENCE MO

NEW/USED: Used

YEAR OF VEHICLE 2007

MILEAGE 34k

RETAIL/LEASE Retail

AMOUNT OF LOAN: 13,5k

ADVANCE PERCENTAGE not sure what this means. Nothing down.

TERM CONTRACTED 60 months

APR/LEASE RATE 7.6

MONTHLY PAYMENT: 311 (hubs got some warranty and some thing where you get a free key a year for 5 years)

MISCELLANEOUS COMMENTARY:

They also approved us for a refi on our 2006 minivan at 7.3% getting us out from under SANTANDER!!!! No more 26% rate or some crap like that!!! We are THRILLED!!!!

Edited by MarvBear
missfit

missfit

Posted
Posted

APPROVING BANK: Ford Motor Credit

BUREAU PULLED: Experian

CREDIT SCORE: Auto-enhanced = 697; FICO = 719

CUSTOMER STATE OF RESIDENCE: California

NEW/USED: New

YEAR OF VEHICLE: 2010

MILEAGE: 25

RETAIL/LEASE: Retail

AMOUNT OF LOAN: $19,262.48

ADVANCE PERCENTAGE:

TERM CONTRACTED: 60 months

APR/LEASE RATE: 0%

MONTHLY PAYMENT: $321.05

MISCELLANEOUS COMMENTARY: Denied by Up2Drive, Capital One, and BofA. Approved by Roadloans for max amount of $13,900 at 24.99%. Approved by credit union at 8.99%. Somehow the dealer and FMCC approved me for the vehicle I wanted and the interest rate I hoped for = 0%. Very excited and very grateful!

 

NyXzo

NyXzo

Posted
Posted

APPROVING BANK: Capital One Auto Finance

BUREAU PULLED: All

CREDIT SCORE: 600 - 610

CUSTOMER STATE OF RESIDENCE: Ohio

NEW/USED: Used

YEAR OF VEHICLE: 2010

MILEAGE: 6,619

RETAIL/LEASE: Retail

AMOUNT OF LOAN: $21,122.62

ADVANCE PERCENTAGE: Not really sure how to calculate this?

TERM CONTRACTED: 72 mo.

APR/LEASE RATE: 11.6%

MONTHLY PAYMENT: 410.55

MISCELLANEOUS COMMENTARY: $1,250 Down Payment, Used 2010 Ford Mustang. :unsure: Had a CapitalOne charge off 3 years ago... for $200. lol (No previous auto loans.). I couldn't get an auto loan with any other lender who wasn't a bad loans type of lender and wanted to give me 18% APR and 1,000 down. Came to the dealership they put an app in for me. CapitalOne said 11.6% and $1,250. I took it!

bryenz

bryenz

Posted
Posted

APPROVING BANK - Americredit

BUREAU PULLED - TransUnion

CREDIT SCORE - 622 AE (as per dealership)

CUSTOMER STATE OF RESIDENCE - CA

NEW/USED - Used

YEAR OF VEHICLE - 2011

MILEAGE - 20

RETAIL/LEASE - Retail

AMOUNT OF LOAN - $42,764

ADVANCE PERCENTAGE - 110%

TERM CONTRACTED - 72

APR/LEASE RATE - 14.6%

MONTHLY PAYMENT - $899

MISCELLANEOUS COM: Not a stellar rate/payment but acceptable - will refinance as soon as possible.

  • 2 weeks later...
brucey

brucey

Posted
Posted

APPROVING BANK: NFCU

BUREAU PULLED: Equifax

CREDIT SCORE: 694

CUSTOMER STATE OF RESIDENCE: WI

NEW/USED: Used

YEAR OF VEHICLE: 2006

MILEAGE:

RETAIL/LEASE

AMOUNT OF LOAN: 21k

ADVANCE PERCENTAGE: 7.3%

TERM CONTRACTED: 72 months

APR/LEASE RATE

MONTHLY PAYMENT

MISCELLANEOUS COMMENTARY:

TheBanker

TheBanker

Posted
Posted

Should have posted this a few months ago, but might as well post it nevertheless:

APPROVING BANK: American Honda Financial Corporation.

BUREAU PULLED: Experian.

CREDIT SCORE: 730ish at the time.

CUSTOMER STATE OF RESIDENCE: California.

NEW/USED: New.

YEAR OF VEHICLE: 2010.

MILEAGE: 6.

RETAIL/LEASE

AMOUNT OF LOAN: $10,000.

ADVANCE PERCENTAGE:

TERM CONTRACTED: 60 months.

APR/LEASE RATE: 3.9% APR.

MONTHLY PAYMENT: $185.

MISCELLANEOUS COMMENTARY: First financed car purchase - this was back in June.

The last post in this topic was posted 2926 days ago. 

 

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