TODAY'S APPROVALS

[maryhm]

APPROVING BANK: PenFed

BUREAU PULLED: Experian

CREDIT SCORE: 741

CUSTOMER STATE OF RESIDENCE: TX

NEW/USED: NEW

YEAR OF VEHICLE: 2013

MILEAGE: 20

RETAIL/LEASE: Retail

AMOUNT OF LOAN: $15650

ADVANCE PERCENTAGE: 75%

TERM CONTRACTED: 5 years

APR/LEASE RATE: 1.49%

MONTHLY PAYMENT: $271.09

MISCELLANEOUS COMMENTARY: Self Employed. No POI requested. Instant Approval.

[1nce on top]

APPROVING BANK NFCU

BUREAU PULLED TU/EQ 2 pulls on TU 1 pull a day later on the EQ.

CREDIT SCORE 645EQauto enhanced 606 eq. beacon 5.0, TU 634 Myfico, 602 TU creditkarma, Co-applicant scores 580-610

CUSTOMER STATE OF RESIDENCE West coast

NEW/USED New

YEAR OF VEHICLE 2012

MILEAGE 25

RETAIL/LEASE Retail

AMOUNT OF LOAN 42,000 and change plus $4475 down

ADVANCE PERCENTAGE 100%

TERM CONTRACTED 84 mo.

APR/LEASE RATE 4.49%

MONTHLY PAYMENT $588

MISCELLANEOUS COMMENTARY: Provided POI New membership after learning of them on this board qualified via grandfather whom served the united states for over 20 years and retired. PREVIOUS approval through chase was 6.2% for 72 months. flawless auto loan history settled all unsecured debt last year. Applied for loan and provided vin#; assuming the equity position played a factor DW and my income come close to 90-100k combined. NFCU thank you for looking at me and not neccessarily my number on a chart

[toughcookie]

APPROVING BANK Capital One

BUREAU PULLED TU

CREDIT SCORE 615 (8/7/12)

CUSTOMER STATE OF RESIDENCE FL

NEW/USED Used

YEAR OF VEHICLE 2010

MILEAGE 28,353

RETAIL/LEASE Retail

AMOUNT OF LOAN $14,070 $400 down

ADVANCE PERCENTAGE

TERM CONTRACTED 72 mo. (Yes, I know!)

APR/LEASE RATE 9.76%!!!!

MONTHLY PAYMENT $258.97

MISCELLANEOUS COMMENTARY: I think I got a pretty good deal on my car. I know my loan length is rather lengthy but I'm hoping to pay more than my monthly payment to pay it down faster. I can't believe I got the interest rate I got with my credit score. Thankfully they pulled TU who always seems to have a higher credit score for me.

[locolady]

APPROVING BANK Capital One

BUREAU PULLED ???

CREDIT SCORE 662 my Fico

CUSTOMER STATE OF RESIDENCE Ca

NEW/USED New

YEAR OF VEHICLE 2013

MILEAGE 15

RETAIL/LEASE Retail

AMOUNT OF LOAN $40000

ADVANCE PERCENTAGE

TERM CONTRACTED 72 mo.

APR/LEASE RATE 5.76%

MONTHLY PAYMENT $658

MISCELLANEOUS COMMENTARY: I put 15k down car was $55575 OTD and I trade in a 2011 Toyota was not upside down. I got 4 years to work and I really wanted this car (XTS) so I got it. Ifigure while I still have a good income I can afford my new toy..

Edited September 1, 2012 by MarvBear

[mountainmommy]

APPROVING BANK: ORNL Federal Credit Union

BUREAU PULLED: Equifax

CREDIT SCORE 634 Myfico (they do not use auto enhanced)

CUSTOMER STATE OF RESIDENCE TN

NEW/USED Used

YEAR OF VEHICLE 2011

MILEAGE 30,000

RETAIL/LEASE Retail

AMOUNT OF LOAN $23000 (purchases price 21,500)

ADVANCE PERCENTAGE 100% (loan came to 95% of retail though)

TERM CONTRACTED 60 month

APR/LEASE RATE 5.9

MONTHLY PAYMENT $440ish

MISCELLANEOUS COMMENTARY: Honda Accord EXL V6 with Navigation - bought from private seller; can do a one time rate reduction in a few months, over 640 interest goes to 3.9%, I think 680 is 2.49; utilization is up a bit right now due to tax free weekend last month, and wasn't planning to purchase car this month, but engine went out in old car.

[fatherof5]

APPROVING BANK: PSECU

BUREAU PULLED: EX

CREDIT SCORE 693 as of 8-1-12 via PSECU With changes to reports expect score is now in low 700s

CUSTOMER STATE OF RESIDENCE PA

NEW/USED Used

YEAR OF VEHICLE 2012

MILEAGE 25K

RETAIL/LEASE Retail

AMOUNT OF LOAN Approved for up to $31000 with Auto Draft

ADVANCE PERCENTAGE 100% KBB Retail Value

TERM CONTRACTED 60 month

APR/LEASE RATE 2.49

MONTHLY PAYMENT about $540 depending on amount used

MISCELLANEOUS COMMENTARY: Looking at 2012 Chevrolet Traverse AWD. KBB value $31K - Dealer Asking Price $29K. PSECU Auto Draft - have 120 days to use up to $31K. Interest rates and term length can be decided at time of purchase. WOOHOO!!

[OilOperator]

APPROVING BANK: Capital One

BUREAU PULLED: EX

CREDIT SCORE 525 (Just discharged 1.7 million BK 2 months ago)

CUSTOMER STATE OF RESIDENCE AZ

NEW/USED Used

YEAR OF VEHICLE 2005-2012

MILEAGE 0-70K

RETAIL/LEASE Retail

AMOUNT OF LOAN Approved for up to $30000 with Capital One Blank Check (max amount they approve for used is 30K

ADVANCE PERCENTAGE 110% of Wholesale Value

TERM CONTRACTED 36-72 month (depends on what terms I want to choose)

APR/LEASE RATE 22.65

MONTHLY PAYMENT max would be $677 if I used full 30k for 60 months

MISCELLANEOUS COMMENTARY- was completely surprised I got approved seeing how low my score was and Capital One was listed as a creditor 3x on my BK paperwork. I also got approved for a $2,000 CC with them same day I did Auto Application

[Benji]

APPROVING BANK: DCU

BUREAU PULLED EQ

CREDIT SCORE 719

CUSTOMER STATE OF RESIDENCE TX

NEW/USED used/refinance

YEAR OF VEHICLE 2010

MILEAGE 60000

RETAIL/LEASE

AMOUNT OF LOAN $12,500

ADVANCE PERCENTAGE 100

TERM CONTRACTED 65 month

APR/LEASE RATE 2.49%

MONTHLY PAYMENT $206

MISCELLANEOUS COMMENTARY: After speaking with a loan underwriter, I was approved for up to $40,000 - although I refinanced to help DTI for a mortgage within the next two years. My util is relatively high, just above 50%, otherwise my FICOs would be much higher.

[Sun Love]

APPROVING BANK Chase

BUREAU PULLED TU

CREDIT SCORE 688

CUSTOMER STATE OF RESIDENCE IL

NEW/USED New

YEAR OF VEHICLE 2012

MILEAGE 3

RETAIL/LEASE Retail

AMOUNT OF LOAN 31001

ADVANCE PERCENTAGE

TERM CONTRACTED 72

APR/LEASE RATE 5.69

MONTHLY PAYMENT 576.15

MISCELLANEOUS COMMENTARY:

[Kaysei]

APPROVING BANK Capital One

BUREAU PULLED EQ

CREDIT SCORE 627

CUSTOMER STATE OF RESIDENCE GA

NEW/USED Used

YEAR OF VEHICLE 2006

MILEAGE 66,000

RETAIL/LEASE Retail

AMOUNT OF LOAN 8800

ADVANCE PERCENTAGE110% of clean trade

TERM CONTRACTED 72

APR/LEASE RATE 11.06

MONTHLY PAYMENT approx $220

 

MISCELLANEOUS COMMENTARY: I was approved for up to $12,000 with the CapOne Blank Check and have been tirelessly searching for almost three months for that "cream puff non-existent car", as one dealer described it, due to CapOne's restrictions. I finally found the cream puff yesterday, put down $700, and signed all the paperwork. The dealer faxed all the required documents to CapOne before noon today, and CapOne called him about 4:30pm with approval to deposit the check. The dealer called to tell me I could pick up my freshly-detailed vehicle anytime tomorrow. He even filled up the gas tank.

[LPtradpro]

APPROVING BANK Capitol One Auto Finance

BUREAU PULLED Equifax

CREDIT SCORE 597

CUSTOMER STATE OF RESIDENCE WA

NEW/USED Used

YEAR OF VEHICLE 2011

MILEAGE 12,000

RETAIL/LEASE

AMOUNT OF LOAN 21,000

ADVANCE PERCENTAGE 4500 down

TERM CONTRACTED 72 months

APR/LEASE RATE 9.8%

MONTHLY PAYMENT 363.00

MISCELLANEOUS COMMENTARY: When i pull my FICO it said i had a 669 score. Dealer said i had 597. Dont understand that. None of the three CRA's report me in the 500's

Edited October 17, 2012 by MarvBear

[visorboy1974]

APPROVING BANK Chase

BUREAU PULLED TU

CREDIT SCORE 731

CUSTOMER STATE OF RESIDENCE IL

NEW/USED New

YEAR OF VEHICLE 2012

MILEAGE 35

RETAIL/LEASE Retail

AMOUNT OF LOAN 51000

ADVANCE PERCENTAGE 100

TERM CONTRACTED 72

APR/LEASE RATE 3.29

MONTHLY PAYMENT $798

 

BMW 335i X-Drive

[eed146]

APPROVING BANK: Penfed

BUREAU PULLED : All 3

CREDIT SCORE: Equifax 650 Tu 680 Tu 698 Fico:720

CUSTOMER STATE OF RESIDENCE: Georgia

NEW/USED: Used

YEAR OF VEHICLE: 2009

MILEAGE: 26000

RETAIL/LEASE: Retail

AMOUNT OF LOAN: $33,000

ADVANCE PERCENTAGE

TERM CONTRACTED: 60 months

APR/LEASE RATE: 1.5%

MONTHLY PAYMENT: $557

MISCELLANEOUS COMMENTARY:

Edited October 22, 2012 by eed146

[twizzle]

APPROVING BANK DCU

BUREAU PULLED EQ (pulled twice, for membership and then loan)

CREDIT SCORE 738

CUSTOMER STATE OF RESIDENCE NH

NEW/USED USED

YEAR OF VEHICLE 2004

MILEAGE 111k

RETAIL/LEASE Retail

AMOUNT OF LOAN 11700

ADVANCE PERCENTAGE

TERM CONTRACTED 48 mo

APR/LEASE RATE 1.99%

MONTHLY PAYMENT $253

MISCELLANEOUS COMMENTARY: 2004 Chevy Avalanche 1500 Z71 Purchased at dealer, $500 down for dep, no trade. CH7 BK in 08, 10% util, 1 inq 23 mos old. DCU was fast-applied online over weekend, approval Mon morn-and check Fedexed for next day.

Edited October 22, 2012 by MarvBear

[Nicolas mtz]

APPROVING BANK: Regions Bank

BUREAU PULLED: EQ

CREDIT SCORE 652 FICO (10/11/12)

CUSTOMER STATE OF RESIDENCE: Texas

NEW/USED: New

YEAR OF VEHICLE: 2012

MILEAGE: 400

RETAIL/LEASE: Retail

AMOUNT OF LOAN $35900

ADVANCE PERCENTAGE

TERM CONTRACTED 72 mo.

APR/LEASE RATE 6.29%

MONTHLY PAYMENT $600

MISCELLANEOUS COMMENTARY: 2012 GMC Yukon SLT 4X2. Credit car utilization at 75% and a $34k balance on another auto loan. Also applied with DCU asked for $43k and came back with a counteroffer for 35k @ 6.49% or 5.99% with auto draft.Kept loan with Regions

[tmkats]

APPROVING BANK: Santrader

BUREAU PULLED: Experian

CREDIT SCORE: 520 (last I checked)

CUSTOMER STATE OF RESIDENCE: NY

NEW/USED: USED

YEAR OF VEHICLE: 2011

MILEAGE: 44200

RETAIL/LEASE: Retail

AMOUNT OF LOAN: $20800 (includes TTL and warranty)

ADVANCE PERCENTAGE: 100%

TERM CONTRACTED: 5 years

APR/LEASE RATE: 21.19%

MONTHLY PAYMENT: $492.14

MISCELLANEOUS COMMENTARY: Applied with the wife who had just as bad scores. Traded in our '07 Santa Fe for an '11 Sonata. i know how horrible Santrader is, but if we plan on making extra payments towards principle to help reduce the loan amount in years and interest. We baisically kept the same payment we have now for a new car with less miles and that is fully loaded (with everything except Nav).

[BW1216]

APPROVING BANK: PSECU

BUREAU PULLED: EX

CREDIT SCORE: 639 PSECU EX FICO (11/03/12)

CUSTOMER STATE OF RESIDENCE: AZ

NEW/USED: Used

YEAR OF VEHICLE: 2006

MILEAGE: 80000

AMOUNT OF LOAN: $13,223.86

ADVANCE PERCENTAGE: 68.66%

TERM CONTRACTED: 48 mo.

APR/LEASE RATE: 2.49%

MONTHLY PAYMENT: $289.73

MISCELLANEOUS COMMENTARY: Refinanced from NFCU, which had 56 months remaining @ 7.29%! While score is technically low, Auto Loan weighted FICO may be better since I have never had any payment issues with Auto Loans or installment (speculation). Good amount of funds deposited at CU. 3 1/2 years at current job, low debt to income ratio, high income (may have had a part in lending decision, again speculation).

Edited November 11, 2012 by BW1216

[JWR45]

APPROVING BANK: Capital One

BUREAU PULLED: Transunion

CREDIT SCORE 736

CUSTOMER STATE OF RESIDENCE: Mississippi

NEW/USED New

YEAR OF VEHICLE: 2013

MILEAGE: 53

RETAIL/LEASE: Retail

AMOUNT OF LOAN: 18095.30

ADVANCE PERCENTAGE: 54%

TERM CONTRACTED: 54 months

APR/LEASE RATE: 2.99%

MONTHLY PAYMENT 358.48

MISCELLANEOUS COMMENTARY: 2013 Honda Accord EX-L. Dealer arranged financing direct with Cap one.

[hrguy]

APPROVING BANK: Toyota Financial Services

BUREAU PULLED: TU

CREDIT SCORE: 650

CUSTOMER STATE OF RESIDENCE: DE

NEW/USED: New

YEAR OF VEHICLE: 2013

MILEAGE: 0

AMOUNT OF LOAN: $12,000 roughly for lease

ADVANCE PERCENTAGE: not sure, received 1500 in TFS rebates

TERM CONTRACTED: 36 mo.

APR/LEASE RATE: 0.0008

MONTHLY PAYMENT: $236

MISCELLANEOUS COMMENTARY: 3 months out of Chapter 7 bankruptcy, and was approved under Tier 3. My credit union approved me also @ 10.74%, they said my score was just 600 (TU98). Chose to lease over buying, if I wanted to buy the rate would have been 0.9% for 60 months.

Edited November 13, 2012 by hrguy

[deshon1881]

APPROVING BANK Capital One

BUREAU PULLED Transunion

CREDIT SCORE 684

CUSTOMER STATE OF RESIDENCE Illinois

NEW/USED Used

YEAR OF VEHICLE 2011

MILEAGE 20k

RETAIL/LEASE Retail

AMOUNT OF LOAN 18K

ADVANCE PERCENTAGE 19%

TERM CONTRACTED 72

APR/LEASE RATE 7.66

MONTHLY PAYMENT 327

MISCELLANEOUS COMMENTARY: 04' Discharge Bankruptcy, 2 credit cards no lates, and a vehicle that is almost paid off with no lates since May 2011.

[freemee]

Approving Bank: Florida Central Credit Union

BUREAU PULLED: Experian

CREDIT SCORE 679

CUSTOMER STATE OF RESIDENCE Fl

NEW/USED : New

YEAR OF VEHICLE : New

MILEAGE 45

RETAIL/LEASE: Retail

AMOUNT OF LOAN: 14000

ADVANCE PERCENTAGE :??

TERM CONTRACTED: 60

APR/LEASE RATE : 6.9

MONTHLY PAYMENT 270

MISCELLANEOUS COMMENTARY: Dealership would not touch me due to repo in 08. CU gave me a B rati

[drunk3nm0nk3y]

Approving Bank: American Honda

BUREAU PULLED: Experian

CREDIT SCORE 631 me 651 wife auto enhanced

CUSTOMER STATE OF RESIDENCE CA

NEW/USED : New

YEAR OF VEHICLE : 2012

MILEAGE: 8

RETAIL/LEASE: Retail

AMOUNT OF LOAN: $22xxx

ADVANCE PERCENTAGE : 110%

TERM CONTRACTED: 60

APR/LEASE RATE : 8.5

MONTHLY PAYMENT 464

MISCELLANEOUS COMMENTARY: had a repo under me and a BK discharged in 05 and wife has a some collections. Finance Manger was able to talk to honda to get us approved first at 9.99. then they wanted to add warranty so they bought down the rate to 8.5 to add the extend warranty and GAP. also put $1500 dollars down.

Edited December 7, 2012 by drunk3nm0nk3y

[Beer4me]

APPROVING BANK: Bank of America

BUREAU PULLED: Equifax

CREDIT SCORE: 805

CUSTOMER STATE OF RESIDENCE: Texas

NEW/USED: New

YEAR OF VEHICLE: 2013

MILEAGE: Unknown

RETAIL/LEASE: Retail

AMOUNT OF LOAN: Up to 28000

ADVANCE PERCENTAGE

TERM CONTRACTED: 60 months (5yrs)

APR/LEASE RATE: 2.34%

MONTHLY PAYMENT: 371.21

MISCELLANEOUS COMMENTARY:Hoping to get Honda Accord EX for 26500 (OTD) and planning on putting down 5500 down payment.

Edited December 14, 2012 by MarvBear

[George81]

APPROVING BANK: Wells Fargo

BUREAU PULLED: TU

CREDIT SCORE: 688 Fico

CUSTOMER STATE OF RESIDENCE: NJ

NEW/USED: Used

YEAR OF VEHICLE: 2008

MILEAGE: 88,000

RETAIL/LEASE: Retail

AMOUNT OF LOAN:17,800

ADVANCE PERCENTAGE

TERM CONTRACTED:60 months

APR/LEASE RATE:9.99

MONTHLY PAYMENT: $390.00

MISCELLANEOUS COMMENTARY: traded in a 2012 hyundai sonata that i was upside down in. sonata was valued at $14,900 as a trade in price from kbb. I owed 17,100 Dealer gave me what kbb said it was worth. the car i purchased was listed at 14,800. the left over amount was put on the car loan.

[accessmycredit]

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 Fifth Third Bank

BUREAU PULLED TU and EQ

CREDIT SCORE 675 and 661

CUSTOMER STATE OF RESIDENCE Tx

NEW/USED Used

YEAR OF VEHICLE 2008

MILEAGE 50,251

RETAIL/LEASE Retail

AMOUNT OF LOAN $10,998

ADVANCE PERCENTAGE

TERM CONTRACTED 60 mos.

APR/LEASE RATE 7%

MONTHLY PAYMENT $233.56

MISCELLANEOUS COMMENTARY: I feel like we got a pretty good deal. I had never heard of that bank, but when I did some research, they are one of largest banks in the midwest. Who knew?

Edited January 14, 2013 by accessmycredit