TODAY'S APPROVALS

[MarvBear]

APPROVING BANK AMERICREDIT

BUREAU PULLED EQUIFAX

CREDIT SCORE 541 HUSBAND/547 WIFE

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED NEW

YEAR OF VEHICLE 2010

MILEAGE 157

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $21601.13

ADVANCE PERCENTAGE 105.38

TERM CONTRACTED 72

APR/LEASE RATE 15.40%

MONTHLY PAYMENT $464.23

MISCELLANEOUS COMMENTARY: CURRENTLY PAST DUE ON MORTGAGE, BUT STRONG INCOME AND JOB TIME.

[MarvBear]

APPROVING BANK ALLY BANK

BUREAU PULLED EXPERIAN

CREDIT SCORE 573

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED NEW

YEAR OF VEHICLE 2010

MILEAGE 45

RETAIL/LEASE RETAIL

AMOUNT OF LOAN 26065.63

ADVANCE PERCENTAGE 73%

TERM CONTRACTED 72

APR/LEASE RATE 9.39%

MONTHLY PAYMENT $476.75

MISCELLANEOUS COMMENTARY: SELF EMPLOYED, POI WAIVED. VERY SLOW REVOLVING ACCOUNTS. ONE PAST REPOSESSION.

[Toy80]

APPROVING BANK: Nutmeg State Federal Credit Union although Citizens Bank and Chase also approved me

BUREAU PULLED: CU pulled experian and car dealership pulled transunion. They said they don't use auto enhance fico score and seemed surprised I even knew what it was.

CREDIT SCORE They said both my Experian and Transunion were 688. Equifax per fico is 763

CUSTOMER STATE OF RESIDENCE: Connecticut

NEW/USED: Used

YEAR OF VEHICLE: 2007

MILEAGE: 56338

RETAIL/LEASE RETAIL: 25488 but NADA and KBB both had it worth over 31000

AMOUNT OF LOAN 27356

ADVANCE PERCENTAGE: ?

TERM CONTRACTED 72

APR/LEASE RATE: 4.75%. Citizens offered me 3.99 but my payment would only be $10.00 less and the dealer was making me mad bc I wouldn't go thru them so I stuck w/ my credit union

MONTHLY PAYMENT $441.70 (includes gap insurance)

MISCELLANEOUS COMMENTARY:One paid off auto loan, just purchased house in April, and I have student loans up the ying yang but no problem being approved.

Edited September 29, 2010 by Toy80

[micorazonkaty]

APPROVING BANK Ford Motor Credit

BUREAU PULLED EXPERIAN

CREDIT SCORE 647 (DH) 577 (Mine) Auto Enhanced

CUSTOMER STATE OF RESIDENCE NC

NEW/USED NEW

YEAR OF VEHICLE 2010

MILEAGE 12

RETAIL/LEASE RETAIL

AMOUNT OF LOAN 48000

ADVANCE PERCENTAGE 136%

TERM CONTRACTED 72

APR/LEASE RATE 5.9%

MONTHLY PAYMENT $808

MISCELLANEOUS COMMENTARY: Carried over $13000 negative equity plus miscellaneous insurance, extras & extended warranty. Negative equity ate up rebates and dealer incentives (over $11K off sticker!). Will cancel all add ons which will reduce principal over $9000. We plan on paying truck off in less than 3 years so interest rate is okay. Were offered 1.9% for 60 months but wanted lower payments.

[financialdisaster]

APPROVING BANK - Capital One Blank Check

BUREAU PULLED - Not Sure

CREDIT SCORE - TU 643, experian 571, equifax 591

CUSTOMER STATE OF RESIDENCE - NY

NEW/USED - Either

YEAR OF VEHICLE - Choice

MILEAGE - under 70,000

RETAIL/LEASE - Retail

AMOUNT OF LOAN - $22,800

ADVANCE PERCENTAGE - ?

TERM CONTRACTED - 72 months

APR/LEASE RATE - 9.11% for new or 13.95% for used

MONTHLY PAYMENT - $412 for new or $469 for used

MISCELLANEOUS COMMENTARY: Bankruptcy 7 discharged 8/24/10. One Capital One car was IIB but years ago I had several capital one cards that I was always a good pay on and eventually paid off. I also have a history of several car loans/leases with Chase, Honda and Nissan that were all good pays. I asked for $19,000 but they approved me for $22,800.

[MarvBear]

APPROVING BANK GM Financial/Americredit

BUREAU PULLED Equifax

CREDIT SCORE 641

CUSTOMER STATE OF RESIDENCE FL

NEW/USED USED

YEAR OF VEHICLE 2008

MILEAGE 65664

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $10466.01

ADVANCE PERCENTAGE 82%

TERM CONTRACTED 66

APR/LEASE RATE 17.55%

MONTHLY PAYMENT $250.00

MISCELLANEOUS COMMENTARY ULTRA THIN FILE ONLY 2 CREDIT CARDS WITH A HIGH LIMIT OF $500.00.:

[Psymama]

APPROVING BANK : Ally (GMAC)

BUREAU PULLED: unsure

CREDIT SCORE: TU 630, EX or EQ 657

CUSTOMER STATE OF RESIDENCE: Michigan

NEW/USED: New

YEAR OF VEHICLE: 2011

MILEAGE:6

RETAIL/LEASE: retail

AMOUNT OF LOAN: $33, 983

ADVANCE PERCENTAGE: unsure

TERM CONTRACTED: 72 months

APR/LEASE RATE: 12.20%

MONTHLY PAYMENT: $668

MISCELLANEOUS COMMENTARY: not enough credit, strong income, history of late payments but current for a year, one credit card in good standing.

[mikediack]

APPROVING BANK Navy FCU

BUREAU PULLED Equifax

CREDIT SCORE 738

CUSTOMER STATE OF RESIDENCE NY

NEW/USED NEW

YEAR OF VEHICLE 2010

MILEAGE 0

RETAIL/LEASE Retail

AMOUNT OF LOAN $25K

ADVANCE PERCENTAGE 100%

TERM CONTRACTED 36

APR/LEASE RATE 2.49%

MONTHLY PAYMENT 748.00

MISCELLANEOUS COMMENTARY: Recovered from ID theft yesterday after many many months of fighting with CRAS. Equifax at 738, Experian 698, TU 605:)

[waralpha]

APPROVING BANK Hyundai Motor Financial

BUREAU PULLED Experian

CREDIT SCORE 702 Auto Enhanced

CUSTOMER STATE OF RESIDENCE California

NEW/USED New

YEAR OF VEHICLE 2011

MILEAGE 34

RETAIL/LEASE Retail

AMOUNT OF LOAN 24000

ADVANCE PERCENTAGE 95%

TERM CONTRACTED 72 Months

APR/LEASE RATE 3.9%

MONTHLY PAYMENT 375

MISCELLANEOUS COMMENTARY: Indicated thin file on financing discussion. Originally offered 3000 down, they asked for 4300 due to thin file and no previous auto loan, I accepted the new terms.

Edited November 8, 2010 by waralpha

[steve0219]

APPROVING BANK: Chase Auto

BUREAU PULLED: Transunion

CREDIT SCORE: 606

CUSTOMER STATE OF RESIDENCE: Texas

NEW/USED: Used

YEAR OF VEHICLE 2008

MILEAGE 24k

RETAIL/LEASE Retail

AMOUNT OF LOAN 26400

ADVANCE PERCENTAGE 89%

TERM CONTRACTED 60 Months

APR/LEASE RATE 13.5%

MONTHLY PAYMENT 535

MISCELLANEOUS COMMENTARY: Very happy with the rate, especially with my score at the time. Chase called and within 30 minutes, the dealership called and said everything was ready to go. Purchased a 2008 Chevy Avalanche with only 20k miles on it.

[Nicolas mtz]

APPROVING BANK: ALLY BANK (GMAC)

BUREAU PULLED: EQUIFAX

CREDIT SCORE: FINANCE GUY SAID IT DINT SHOW MY SCORE, MY FICO WAS 731

CUSTOMER STATE OF RESIDENCE: TEXAS

NEW/USED: NEW

YEAR OF VEHICLE: 2011

MILEAGE: 4

RETAIL/LEASE RETAIL: RETAIL

AMOUNT OF LOAN: $48968.64

ADVANCE PERCENTAGE: ?

TERM CONTRACTED 72

APR/LEASE RATE: 4.49%

MONTHLY PAYMENT $775

MISCELLANEOUS COMMENTARY:

[diesel66]

APPROVING BANK: ALLY BANK (GMAC)

BUREAU PULLED: EQUIFAX, Transunion

CREDIT SCORE: Equifax 530, TU FAKO 490

CUSTOMER STATE OF RESIDENCE: Georgia

NEW/USED: USED

YEAR OF VEHICLE: 2011

MILEAGE: 23500

RETAIL/LEASE RETAIL: RETAIL

AMOUNT OF LOAN: $16650

ADVANCE PERCENTAGE: ?

TERM CONTRACTED 72

APR/LEASE RATE: 9.39

MONTHLY PAYMENT $302.89

MISCELLANEOUS COMMENTARY:40 days post BK-7 discharge. Had a previously paid off GMAC loan from 2008. Down payment of $4000 cash + $1000 trade.

[northeast8045]

APPROVING BANK: Santander

BUREAU PULLED: Experian.

CREDIT SCORE: 589

CUSTOMER STATE OF RESIDENCE: Maine

NEW/USED: New

YEAR OF VEHICLE: 2010.

MILEAGE: 42

RETAIL/LEASE: RETAIL OWNERSHIP

AMOUNT OF LOAN: $23,000 (with $1995.00 extended warranty)

ADVANCE PERCENTAGE:

TERM CONTRACTED: 60 months.

APR/LEASE RATE: 18.00% APR.

MONTHLY PAYMENT: $566 (with $50 Extended Warranty and $13 GAP built in).

MISCELLANEOUS COMMENTARY: First real new car loan in my name. Lots of small old charge offs, only 3 current open credit cards, had to have $1100 down, showed proof of income of $4,000 per month.

[Zee_Ashman]

Transaction happened about 3 weeks ago.

 

APPROVING BANK: GM Financial/Americredit

BUREAU PULLED: Equifax

CREDIT SCORE: 550

CUSTOMER STATE OF RESIDENCE: MA

NEW/USED: USED

YEAR OF VEHICLE: 2005

MILEAGE: 60000

RETAIL/LEASE: RETAIL

AMOUNT OF LOAN: $14,350

TERM CONTRACTED: 60

APR/LEASE RATE: 14%

MONTHLY PAYMENT $330.00

[michaeljohn]

Transaction happened about 8 weeks ago.

 

APPROVING BANK: Direct Federal Credit Union

BUREAU PULLED: Don't know

CREDIT SCORE: Around 800

CUSTOMER STATE OF RESIDENCE: MA

NEW/USED: New

YEAR OF VEHICLE: 2010

MILEAGE: 14

RETAIL/LEASE: RETAIL

AMOUNT OF LOAN: $33,299

TERM CONTRACTED: 60

APR/LEASE RATE: 2.95

MONTHLY PAYMENT: $598

[ryguy56301]

APPROVING BANK Bank of America

BUREAU PULLED EQUIFAX

CREDIT SCORE 743

CUSTOMER STATE OF RESIDENCE Minnesota

NEW/USED Used

YEAR OF VEHICLE 2008

MILEAGE 32000

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $16,200

ADVANCE PERCENTAGE 90

TERM CONTRACTED 60

APR/LEASE RATE 5.75%

MONTHLY PAYMENT $325.00

MISCELLANEOUS COMMENTARY: Used TSX

[MownGo]

APPROVING BANK Nissan NMAC

BUREAU PULLED Equifax

CREDIT SCORE 630

CUSTOMER STATE OF RESIDENCE FL

NEW/USED New Nissan Altima SL

YEAR OF VEHICLE 2010

MILEAGE

RETAIL/LEASE Retail

AMOUNT OF LOAN $23,800

ADVANCE PERCENTAGE

TERM CONTRACTED 72

APR/LEASE RATE 1.9%

MONTHLY PAYMENT $350.95

MISCELLANEOUS COMMENTARY: Could of got 0% for 60 months but wanted lower payments. Put $5,000 down, $3,500 towards car and $1,500 for the extended warranty. Had trade with about $500 equity.

Edited January 3, 2011 by MownGo

[BestLife2009]

APPROVING BANK Capital One Auto Finance

BUREAU PULLED All 3

CREDIT SCORE FAKO: EX 598 EQ 551 TU 535

CUSTOMER STATE OF RESIDENCE MD

NEW/USED NEW

YEAR OF VEHICLE 2011

MILEAGE 24

RETAIL/LEASE Retail

AMOUNT OF LOAN 18350

ADVANCE PERCENTAGE ??

TERM CONTRACTED 72

APR/LEASE RATE 18.5%

MONTHLY PAYMENT $386

MISCELLANEOUS COMMENTARY: Several derogs on reports (including 1 repo from 2007)...$1000 down payment

[MelodyT]

APPROVING BANK: NMAC (Nissan Motor)

BUREAU PULLED: TU and EX

CREDIT SCORE: EX, 691; TU, 717, EQ, 675

CUSTOMER STATE OF RESIDENCE: CA

NEW/USED: NEW

YEAR OF VEHICLE: 2011

MILEAGE: 15

RETAIL/LEASE: RETAIL

AMOUNT OF LOAN: $30,000

ADVANCE PERCENTAGE

TERM CONTRACTED: 72

APR/LEASE RATE: 2.9%

MONTHLY PAYMENT: 449.60

MISCELLANEOUS COMMENTARY: Includes GAP and Extended Warranty. Could have got 1.9% at 60 months.

[cooldude]

APPROVING BANK Bank of America

BUREAU PULLED Trans

CREDIT SCORE 686 (true fico is 704)

CUSTOMER STATE OF RESIDENCE TX

NEW/USED NEW

YEAR OF VEHICLE SHOPPING AROUND

MILEAGE

RETAIL/LEASE

AMOUNT OF LOAN 12,500

ADVANCE PERCENTAGE

TERM CONTRACTED 60 months

APR/LEASE RATE 3.49

MONTHLY PAYMENT

MISCELLANEOUS COMMENTARY: this is my first auto loan and I am very excited to be approved. my choice is kind of limited for what i want but hey we all have to start somewhere.

[labtech98]

APPROVING BANK: SC TELCO FEDERAL CREDIT UNION

BUREAU PULLED: EQUIFAX

CREDIT SCORE: 648

CUSTOMER STATE OF RESIDENCE: SC

NEW/USED: USED REFINANCE

YEAR OF VEHICLE: 2009

MILEAGE: 40,000

RETAIL/LEASE:RETAIL

AMOUNT OF LOAN: 13157

ADVANCE PERCENTAGE

TERM CONTRACTED: 48 MONTHS

APR/LEASE RATE: 8.4

MONTHLY PAYMENT: 324

MISCELLANEOUS COMMENTARY: MY ORIGINAL INTEREST RATE WAS 17.59 AND MY CREDIT SCORE WAS 573.(ughh) PAID ON LOAN FOR 6 MONTHS AND DID SOME CREDIT REBUILDING, REFINANCED WITH LOCAL CREDIT UNION. I WILL BE SAVING ALMOST $5000 IN INTEREST AND CUT MY TERM BY 18 MONTHS.

[jmac65]

APPROVING BANK Ally

BUREAU PULLED Transunion

CREDIT SCORE 588 (Auto Fico)

CUSTOMER STATE OF RESIDENCE Maryland

NEW/USED USED

YEAR OF VEHICLE 2010

MILEAGE 5312mi

RETAIL/LEASE Retail

AMOUNT OF LOAN Restricted to $26,000 or less

ADVANCE PERCENTAGE 9.44%

TERM CONTRACTED 72 mos

APR/LEASE RATE

MONTHLY PAYMENT $474.00

MISCELLANEOUS COMMENTARY: Was approved by Roadloans for $21,000 at 17.44% for 72 mos. after being turned down over and over again because of a year old bankruptcy. Even my own credit union turned me down. Thank God I went to the car dealer and asked for his assistance. I was able to purchase the car that I wanted instead of the car Roadloans wanted me to have.

[maskidder]

APPROVING BANK Wells Fargo

BUREAU PULLED Equiafx (I think)

CREDIT SCORE 582

CUSTOMER STATE OF RESIDENCE SC

NEW/USED Used

YEAR OF VEHICLE 2005

MILEAGE 83000

RETAIL/LEASE Retail

AMOUNT OF LOAN $5721

ADVANCE PERCENTAGE

TERM CONTRACTED 48 mos

APR/LEASE RATE 18.99%

MONTHLY PAYMENT $172.xx

MISCELLANEOUS COMMENTARY: Intellectually, not thrilled with APR, but hello? First car financed in my name in 10 years, AND after my ex told me I'd never do it b/c I had 'ruined' his credit?? (HE can't get any financing at all....) Yep. Thrilled. Contemplating taking my pillow out there and sleeping in it!! ** wanders off doing the "I bought a car... YEAH!" happy dance **

[ray415]

APPROVING BANK Capital One Blank Check

BUREAU PULLED ?

CREDIT SCORE FAKOS ranged from 550-580

CUSTOMER STATE OF RESIDENCE CA

NEW/USED Used

YEAR OF VEHICLE <2004

MILEAGE >70000

RETAIL/LEASE Retail

AMOUNT OF LOAN up to $22,000

ADVANCE PERCENTAGE

TERM CONTRACTED 60 mos.

APR/LEASE RATE 12.75%

MONTHLY PAYMENT varies

MISCELLANEOUS COMMENTARY: 6 mos. post bk7 discharge. asked for $19,000 got approved for $22,000.

Edited February 17, 2011 by MarvBear

[mixer99]

APPROVING BANK NMAC/Nissan

BUREAU PULLED Equiafx

CREDIT SCORE 671 Auto Enhanced

CUSTOMER STATE OF RESIDENCE MS

NEW/USED New

YEAR OF VEHICLE 2011

MILEAGE 170

RETAIL/LEASE Retail

AMOUNT OF LOAN $39,999

ADVANCE PERCENTAGE 105%

TERM CONTRACTED 72

APR/LEASE RATE 1.9% (Qualified for 0% @ 60 mos, too)

MONTHLY PAYMENT $599

MISCELLANEOUS COMMENTARY: 1 year and 5 mos post BK7. Qualified for Tier 2 with NMAC via electronic approval. Fat file with 10+ perfect auto loan pays.