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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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APPROVING BANK GMAC

BUREAU PULLED EXPERIAN

CREDIT SCORE 688

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED USED

YEAR OF VEHICLE 2005

MILEAGE 41480

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $23796.08

ADVANCE PERCENTAGE 138%

TERM CONTRACTED 72

APR/LEASE RATE 10.64%

MONTHLY PAYMENT $449.08

MISCELLANEOUS COMMENTARY: VERY THIN FILE. ONE PREVIOUS AUTO LOAN BEING TRADED, AND A DTI PROBLEM.


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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 684

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED NEW

YEAR OF VEHICLE 2007

MILEAGE 11

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $53535.45

ADVANCE PERCENTAGE 156%

TERM CONTRACTED 72

APR/LEASE RATE 10.99%

MONTHLY PAYMENT $1023.32

MISCELLANEOUS COMMENTARY: AUTOMATED SYSTEM APPROVAL. TRADING IN OPEN GMAC LOAN. VERY VERY OLD THICK FILE.

tireredsquare

tireredsquare

Posted
Posted (edited)

APPROVING BANK: Service FCU

BUREAU PULLED: EX

CREDIT SCORE: 801

CUSTOMER STATE OF RESIDENCE: US Army Germany

NEW/USED: NEW

YEAR OF VEHICLE: 08 BMW 335i

MILEAGE: 0 (Custom Build)

RETAIL/LEASE: Retail

AMOUNT OF LOAN: $43.365.00

ADVANCE PERCENTAGE: 95%

TERM CONTRACTED: 70 months

APR/LEASE RATE: 4.14%

MONTHLY PAYMENT: $712

MISCELLANEOUS COMMENTARY: I asked for the 70 month since I already have a large payment. No baddies on CR, just not a lot of age (7 years). 36 hours from looking at dealer till ordered. SFCU was great. First auto loan, all other TL are CCs (3)

Edited by MarvBear
edit per the op.
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MarvBear

MarvBear

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APPROVING BANK GMAC

BUREAU PULLED EXPERIAN

CREDIT SCORE 597

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED NEW

YEAR OF VEHICLE 2007

MILEAGE 232

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $41567.02

ADVANCE PERCENTAGE 124%

TERM CONTRACTED 72

APR/LEASE RATE 14.99%

MONTHLY PAYMENT $884.12

MISCELLANEOUS COMMENTARY: VERY HIGH UTILIZATION.

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MarvBear

MarvBear

Posted
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Posted

APPROVING BANK CAPITAL CITY BANK

BUREAU PULLED EQUIFAX

CREDIT SCORE 431

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED NEW

YEAR OF VEHICLE 2009

MILEAGE 12

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $2937.90

ADVANCE PERCENTAGE 13%

TERM CONTRACTED 30

APR/LEASE RATE 15.71%

MONTHLY PAYMENT $119.78

MISCELLANEOUS COMMENTARY: 11 TRADELINES ON FILE. ALL ACCOUNT CURRENTLY IN DEROG STATUS AND PAST DUE. NOT TRADING IN OPEN AUTO LOAN THAT IS ALSO PAST DUE. TOOK ME TWO WEEKS TO GET THIS ONE HANDLED.

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MarvBear

MarvBear

Posted
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Posted

APPROVING BANK BANK OF AMERICA

BUREAU PULLED EQUIFAX

CREDIT SCORE 766

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED USED

YEAR OF VEHICLE 2005

MILEAGE 41991

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $23080.06

ADVANCE PERCENTAGE 141%

TERM CONTRACTED 72

APR/LEASE RATE 5.90%

MONTHLY PAYMENT $383.99

MISCELLANEOUS COMMENTARY: STELLAR CREDIT FILE, HOWEVER THERE ARE MULTIPLE AUTO LOANS AND DTI ISSUES.

cinta

cinta

Posted
Posted (edited)

APPROVING BANK : Capital One Auto

BUREAU PULLED : All three

Your Equifax Credit Score? 672

Your Experian Credit Score? 688

Your TransUnion Credit Score? 701

CUSTOMER STATE OF RESIDENCE : MN

NEW/USED : New

YEAR OF VEHICLE : Preapproved - Blank cheque so i can buy any

MILEAGE :0

RETAIL/LEASE : Retail

AMOUNT OF LOAN :22500

ADVANCE PERCENTAGE:?

TERM CONTRACTED: 48

APR/LEASE RATE :6.39

MONTHLY PAYMENT :532.45

MISCELLANEOUS COMMENTARY:

 

Good news on my Auto Loan ... I got approved just cnt belive it ..but yeah i got it ...thanks for all ur suggestion ..

 

Applyed Online at Capital One Auto - Instantly approved for 22,500 i just asked for 18k ,

Loan Term : 48 Months at 5.69 ..

 

Pulled All three reporting tu,exp,eqf ..

 

Im not sure that 6.39 is good but im happy to get it lol ..

Edited by MarvBear
edited for consistency
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MarvBear

MarvBear

Posted
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Posted

APPROVING BANK AMERICREDIT FINANCIAL SERVICES

BUREAU PULLED EQUIFAX

CREDIT SCORE 505

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED USED

YEAR OF VEHICLE 2007

MILEAGE 5589

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $29737.15

ADVANCE PERCENTAGE 120.04%

TERM CONTRACTED 72

APR/LEASE RATE 18.23%

MONTHLY PAYMENT $687.22

MISCELLANEOUS COMMENTARY: EXTREMELY GOOD JOB TIME. 20+ YRS. SPOTTY PREVIOUS AUTO CREDIT.

TheGooch

TheGooch

Posted
Posted

APPROVING BANK: PenFed

BUREAU PULLED: Equifax

CREDIT SCORE: 767

CUSTOMER STATE OF RESIDENCE: CA

NEW/USED: New

YEAR OF VEHICLE: Ducati 848 Sport Bike

MILEAGE: 0

RETAIL/LEASE: Purchase

AMOUNT OF LOAN: $12,500

ADVANCE PERCENTAGE:

TERM CONTRACTED: 60 mo

APR/LEASE RATE: 7.29%

MONTHLY PAYMENT: $249.00

MISCELLANEOUS COMMENTARY: Was super easy actually. Applied on the phone, called a few times, was approved, and check FedExd the same day! HAD TO PUT 3,000.00 DOWN.

AixiA

AixiA

Posted
Posted

APPROVING BANK: Wells Fargo

BUREAU PULLED: Equifax

CREDIT SCORE: 650

CUSTOMER STATE OF RESIDENCE: TX

NEW/USED: NEW

YEAR OF VEHICLE: 2008

MILEAGE: 13

RETAIL/LEASE: Retail

AMOUNT OF LOAN: 21,980

ADVANCE PERCENTAGE:

TERM CONTRACTED: 72 Mos.

APR/LEASE RATE: 10.34

MONTHLY PAYMENT: 424

MISCELLANEOUS COMMENTARY: had one 8k dollar auto finance CO and 2 random COs (medical and utility)

Approval was 04/08

whisla13

whisla13

Posted
Posted

APPROVING BANK: Star of Texas Credit Union

BUREAU PULLED: Equifax

CREDIT SCORE: 648

CUSTOMER STATE OF RESIDENCE: Texas

NEW/USED: Used

YEAR OF VEHICLE: 2007

MILEAGE: 16,000

RETAIL/LEASE: Retail

AMOUNT OF LOAN: $22,204.67

ADVANCE PERCENTAGE: ?

TERM CONTRACTED: 60 months

APR/LEASE RATE: 8.75%

MONTHLY PAYMENT: $459.80

MISCELLANEOUS COMMENTARY: Chrysler 300C. Would not trade my existing vehicle (upside down about $7,000), allowed me to carry two car loans.

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MarvBear

MarvBear

Posted
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Posted

APPROVING BANK CAPITAL CITY BANK

BUREAU PULLED EQUIFAX

CREDIT SCORE 491

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED USED

YEAR OF VEHICLE 2007

MILEAGE 13304

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $5689.58

ADVANCE PERCENTAGE 31%

TERM CONTRACTED 30

APR/LEASE RATE 14.90%

MONTHLY PAYMENT $233.76

MISCELLANEOUS COMMENTARY: MULTIPLE REPOSSESSIONS, MULTIPLE CHARGEOFFS.

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MarvBear

MarvBear

Posted
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Posted

APPROVING BANK GMAC

BUREAU PULLED EXPERIAN

CREDIT SCORE 658

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED USED

YEAR OF VEHICLE 2005

MILEAGE 19683

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $20348.37

ADVANCE PERCENTAGE 130%

TERM CONTRACTED 72

APR/LEASE RATE 11.64%

MONTHLY PAYMENT $395.90

MISCELLANEOUS COMMENTARY: TWO OPEN AUTO LOANS NOT BEING TRADED, ADDING A THIRD VEHICLE. SLOPPY CREDIT FILE, MULTIPLE COLLECTIONS AND CHARGEOFFS. ALSO THIS IS AN ADDITIONAL GMAC LOAN. CURRENT GMAC HISTORY VERY GOOD. VERY GOOD RESIDENTIAL HISTORY AND VERY GOOD JOB TIME.

builder2500

builder2500

Posted
Posted

APPROVING BANK HSBC

BUREAU PULLED Trans Union

CREDIT SCORE 531

CUSTOMER STATE OF RESIDENCE AL

NEW/USED USED

YEAR OF VEHICLE 2007

MILEAGE 32k

RETAIL/LEASE Retail

AMOUNT OF LOAN 37k

ADVANCE PERCENTAGE

TERM CONTRACTED 72

APR/LEASE RATE 14.29

MONTHLY PAYMENT 768.19

MISCELLANEOUS COMMENTARY:

 

Purchased from Toyota of Dallas. Great F&I guys! $8k down

5ofus

5ofus

Posted
Posted (edited)

APPROVING BANK Ford Credit

BUREAU PULLED EQ

CREDIT SCORE DH: 682 MYFICO on 4/9 Me: 700 MYFICO on 4/9

CUSTOMER STATE OF RESIDENCE WI

NEW/USED USED

YEAR OF VEHICLE 2005

MILEAGE 22800

RETAIL/LEASE RETAIL

AMOUNT OF LOAN 14690

ADVANCE PERCENTAGE 109%

TERM CONTRACTED 60 Months

APR/LEASE RATE 5.9%

MONTHLY PAYMENT$284

MISCELLANEOUS COMMENTARY: Went in w/ preapproval from local CU for 6.5%. DH has 1 PD 6.5 yr old judgment on EQ. Mine is clean. Rolled almost $1000 of neg. equity from trade. Put $500 cash down.

Edited by 5ofus
cbarr

cbarr

Posted
Posted

APPROVING BANK: Audi financial (Volkswagen)

BUREAU PULLED: TU only

CREDIT SCORE: 610

CUSTOMER STATE OF RESIDENCE: WA

NEW/USED: NEW

YEAR OF VEHICLE: 2008

MILEAGE: 45

RETAIL/LEASE: LEASE

AMOUNT OF LOAN: ~21K total payments, 40K vehicle

ADVANCE PERCENTAGE: ?

TERM CONTRACTED: 36/12K

APR/LEASE RATE: MF .00110

MONTHLY PAYMENT: 550 tax incl.

MISCELLANEOUS COMMENTARY: Ficos ranging from 601-625, 7 months of auto history. No baddies, 95% utilization, 180K income. Cap cost redution required equal to roughly 2 months of payments.

Huxley_knew

Huxley_knew

Posted
Posted

APPROVING BANK: Audi Financial Services

BUREAU PULLED: Experian

CREDIT SCORE: MyFico: 773, EX Auto: 725

CUSTOMER STATE OF RESIDENCE: CA

NEW/USED: NEW

YEAR OF VEHICLE: 2008

MILEAGE: New

RETAIL/LEASE: Sale

AMOUNT OF LOAN: $24,300

ADVANCE PERCENTAGE: 80%

TERM CONTRACTED: 60 mo

APR/LEASE RATE: 3.9% (!!!)

MONTHLY PAYMENT: $455.43

MISCELLANEOUS COMMENTARY: Had been pre-approved through BofA, dealer was able to beat by 1%!! Put $8500 down, just to keep my payments to a minimum

nyscene911

nyscene911

Posted
Posted (edited)

APPROVING BANK Teachers FCU

BUREAU PULLED Unknown

CREDIT SCORE EX and TU-666, Eq-656

CUSTOMER STATE OF RESIDENCE NY

NEW/USED USED

YEAR OF VEHICLE 2003

MILEAGE 68609

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $15788.53

ADVANCE PERCENTAGE ?

TERM CONTRACTED 60

APR/LEASE RATE 6.49%

MONTHLY PAYMENT $308.85

MISCELLANEOUS COMMENTARY: Short History, lots of new-ish (10 month old) cards. One 4yo charge off

Edited by nyscene911
mpicart

mpicart

Posted
Posted (edited)

APPROVING BANK Ford Motor Credit (Lincoln)

BUREAU PULLED Equifax

CREDIT SCORE EQ 620 (as of March)

CUSTOMER STATE OF RESIDENCE FL

NEW/USED New

YEAR OF VEHICLE 2008

MILEAGE 105

RETAIL/LEASE Lease

AMOUNT OF LOAN $19078

ADVANCE PERCENTAGE

TERM CONTRACTED 36

APR/LEASE RATE 5.25%

MONTHLY PAYMENT $531

MISCELLANEOUS COMMENTARY: Took 2-3 days to get done. X-Plan price with Red Carpet Lease, approved at Tier II, would not approve for 39 months, only 36. This is a second car loan under my name. Max Payment NTE $545. $500k required, but I put $1400 so that I could get the Road Hazard for the tires and the WearCare.

Oh, I got rear ended 4 days later. :blink: Still waiting on claim results... Already showing on TU

Edited by MarvBear
snypam118

snypam118

Posted
Posted

APPROVING BANK GMAC

BUREAU PULLED TU..I actually told the dealership that TU needs to be pulled

CREDIT SCORE 679

CUSTOMER STATE OF RESIDENCE TN

NEW/USED NEW

YEAR OF VEHICLE 2008

MILEAGE 80

RETAIL/LEASE retail

AMOUNT OF LOAN 32800

ADVANCE PERCENTAGE MEMBER DID NOT POST

TERM CONTRACTED 60

APR/LEASE RATE 7.8%

MONTHLY PAYMENT MEMBER DID NOT POST

MISCELLANEOUS COMMENTARY:

  • 2 weeks later...
darkdoj

darkdoj

Posted
Posted

APPROVING BANK: Mazda American Credit

BUREAU PULLED: Experian

CREDIT SCORE: 646

CUSTOMER STATE OF RESIDENCE: California

NEW/USED: New

YEAR OF VEHICLE: 2008

MILEAGE: 10

RETAIL/LEASE: Retail

AMOUNT OF LOAN: 21875

ADVANCE PERCENTAGE: 100%

TERM CONTRACTED: 48

APR/LEASE RATE: 7.99

MONTHLY PAYMENT: 531.02

MISCELLANEOUS COMMENTARY:

No Money Down. Used Rebate of 2750. Purchased low jack on vehicle for price of $500 to bring insurance rate down after crashing previous paid off car. Multiple (3-4) paid (last 4-8 years) autoloans, all paid in full. Some were refinances of previous vehicles. MSRP was almost $23k. Total Advance includes Taxes, Title and License Fees.

sdoody00

sdoody00

Posted
Posted

APPROVING BANK PenFed

BUREAU PULLED EX

CREDIT SCORE 663

CUSTOMER STATE OF RESIDENCE MA

NEW/USED Used

YEAR OF VEHICLE 2002

MILEAGE 58,600

RETAIL/LEASE Retail

AMOUNT OF LOAN 15000

ADVANCE PERCENTAGE 110%

TERM CONTRACTED 60 mos

APR/LEASE RATE 4.25% Great Rate!

MONTHLY PAYMENT 290

MISCELLANEOUS COMMENTARY: PenFed is great to work with. No Down Payment. I have transfered all my bank accounts to them... highly recommend them!

tcufroggie

tcufroggie

Posted
Posted

APPROVING BANK Toyota Financial

BUREAU PULLED All Three

CREDIT SCORE 640-680

CUSTOMER STATE OF RESIDENCE Texas

NEW/USED New

YEAR OF VEHICLE 2008

MILEAGE 47

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $50500

ADVANCE PERCENTAGE 95%

TERM CONTRACTED 60

APR/LEASE RATE 0.0%

MONTHLY PAYMENT $840.88

MISCELLANEOUS COMMENTARY: 2008 Toyota Sequoia Limited fully loaded. Was able to qualify for the internal incentive of 0.0% APR.

drdre1443

drdre1443

Posted
Posted (edited)

APPROVING BANK VW Credit

BUREAU PULLEDTU

CREDIT SCORE641 FICO

CUSTOMER STATE OF RESIDENCENC

NEW/USEDNEW

YEAR OF VEHICLE2008

MILEAGE475

RETAIL/LEASERETAIL

AMOUNT OF LOAN29,025

ADVANCE PERCENTAGE118%

TERM CONTRACTED60 mo.

APR/LEASE RATE8.65%

MONTHLY PAYMENT$601

MISCELLANEOUS COMMENTARY:3 previous auto loans paid. Last loan had 5 30 days. VW did not ask for proof of income or residency. Approved at D tier (2.9%+5.75%)

Edited by MarvBear
NewfoundFreedom

NewfoundFreedom

Posted
Posted

APPROVING BANK Global FCU

BUREAU PULLED EX

CREDIT SCORE DH: 661

CUSTOMER STATE OF RESIDENCE WA

NEW/USED NEW

YEAR OF VEHICLE 2008

MILEAGE 5

RETAIL/LEASE RETAIL

AMOUNT OF LOAN 41000

ADVANCE PERCENTAGE 104%

TERM CONTRACTED 72 Months

APR/LEASE RATE 6.7%

MONTHLY PAYMENT$693

MISCELLANEOUS COMMENTARY: BK7 from 05, 2 paid perfect car loans, current paid perfect car loan that was traded in.

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