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.
TODAY'S APPROVALS
Started by
MarvBear
, Jan 29 2008 02:37 PM
449 replies to this topic
#301
Posted 19 February 2011 - 12:46 PM
#302
Posted 19 February 2011 - 09:45 PM
APPROVING BANK : Wells Fargo Dealer Services
BUREAU PULLED: Experian
CREDIT SCORE: 577
CUSTOMER STATE OF RESIDENCE: California
NEW/USED: New
YEAR OF VEHICLE: 2011 Nissan Sentra
MILEAGE: 111
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 11,212 (decided to get an extended warranty and alarm--had originally decided against)
ADVANCE PERCENTAGE: 67% I believe
TERM CONTRACTED: 72
APR/LEASE RATE: 17.99
MONTHLY PAYMENT: 255
MISCELLANEOUS COMMENTARY: I had originally went without the extended warranty, which would have made my payment 192, but decided later on to add it. I had 4 CA (which I am paying on) and 1 CO, but I also put 8,000 down on the car. High APR but I will refinance in a year and also make extra payments!
BUREAU PULLED: Experian
CREDIT SCORE: 577
CUSTOMER STATE OF RESIDENCE: California
NEW/USED: New
YEAR OF VEHICLE: 2011 Nissan Sentra
MILEAGE: 111
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 11,212 (decided to get an extended warranty and alarm--had originally decided against)
ADVANCE PERCENTAGE: 67% I believe
TERM CONTRACTED: 72
APR/LEASE RATE: 17.99
MONTHLY PAYMENT: 255
MISCELLANEOUS COMMENTARY: I had originally went without the extended warranty, which would have made my payment 192, but decided later on to add it. I had 4 CA (which I am paying on) and 1 CO, but I also put 8,000 down on the car. High APR but I will refinance in a year and also make extra payments!
#303
Posted 23 February 2011 - 04:40 PM
new to the site, wanted to dig right in... I started lurking looking for tools I could use when negotiating at dealership, cool site.
APPROVING BANK CHASE
BUREAU PULLED Equifax
CREDIT SCORE 753 Auto Enhanced
CUSTOMER STATE OF RESIDENCE TX
NEW/USED New
YEAR OF VEHICLE 2011
MILEAGE 129
RETAIL/LEASE Retail
AMOUNT OF LOAN $35,000 (vehicle sale price was $48,000)
ADVANCE PERCENTAGE 72%
TERM CONTRACTED 72
APR/LEASE RATE 4.39% (had more options)
MONTHLY PAYMENT $560-ish
MISCELLANEOUS COMMENTARY: Had previous $28,000 loan with Chase, paid in full within 15 months. Funny thing is before I went to dealer, Chase online denied me (while I was a current customer), no history of late payments on last 4 car loans with them.
APPROVING BANK CHASE
BUREAU PULLED Equifax
CREDIT SCORE 753 Auto Enhanced
CUSTOMER STATE OF RESIDENCE TX
NEW/USED New
YEAR OF VEHICLE 2011
MILEAGE 129
RETAIL/LEASE Retail
AMOUNT OF LOAN $35,000 (vehicle sale price was $48,000)
ADVANCE PERCENTAGE 72%
TERM CONTRACTED 72
APR/LEASE RATE 4.39% (had more options)
MONTHLY PAYMENT $560-ish
MISCELLANEOUS COMMENTARY: Had previous $28,000 loan with Chase, paid in full within 15 months. Funny thing is before I went to dealer, Chase online denied me (while I was a current customer), no history of late payments on last 4 car loans with them.
#304
Posted 24 February 2011 - 09:30 AM
Approved on 2/4 but waited until I got all new loan docs, as I've had the switcheroo happen a few times...
APPROVING BANK CHASE
BUREAU PULLED Equifax
CREDIT SCORE 452 (EQ SW)
CUSTOMER STATE OF RESIDENCE GA
NEW/USED Used
YEAR OF VEHICLE 2007
MILEAGE 70k
RETAIL/LEASE Retail
AMOUNT OF LOAN $14,100
ADVANCE PERCENTAGE 85%
TERM CONTRACTED 60
APR/LEASE RATE 19.24% (will make double payments and refi in a year)
MONTHLY PAYMENT $367 w/gap
MISCELLANEOUS COMMENTARY: I year post BK7 and 2 months at current job so I knew the rate would be high, but happy to have the approval on the car that I "wanted". 07 Cadillac CTS
APPROVING BANK CHASE
BUREAU PULLED Equifax
CREDIT SCORE 452 (EQ SW)
CUSTOMER STATE OF RESIDENCE GA
NEW/USED Used
YEAR OF VEHICLE 2007
MILEAGE 70k
RETAIL/LEASE Retail
AMOUNT OF LOAN $14,100
ADVANCE PERCENTAGE 85%
TERM CONTRACTED 60
APR/LEASE RATE 19.24% (will make double payments and refi in a year)
MONTHLY PAYMENT $367 w/gap
MISCELLANEOUS COMMENTARY: I year post BK7 and 2 months at current job so I knew the rate would be high, but happy to have the approval on the car that I "wanted". 07 Cadillac CTS
#305
Posted 24 February 2011 - 05:49 PM
APPROVING BANK Chase (Through VW dealer)
BUREAU PULLED Transunion
CREDIT SCORE 663 Fico
CUSTOMER STATE OF RESIDENCE Ca
NEW/USED New
YEAR OF VEHICLE 2011
MILEAGE 118
RETAIL/LEASE Retail
AMOUNT OF LOAN $14,492.46
ADVANCE PERCENTAGE 30%
TERM CONTRACTED 60
APR/LEASE RATE 6.84%
MONTHLY PAYMENT $286
MISCELLANEOUS COMMENTARY: New VW Jetta SE 2.5! I have some older badies but everything else that is recent is good! I have never had a car loan so I was happy to get this and hope to build up and qualify for the promo rates on my next car loan
BUREAU PULLED Transunion
CREDIT SCORE 663 Fico
CUSTOMER STATE OF RESIDENCE Ca
NEW/USED New
YEAR OF VEHICLE 2011
MILEAGE 118
RETAIL/LEASE Retail
AMOUNT OF LOAN $14,492.46
ADVANCE PERCENTAGE 30%
TERM CONTRACTED 60
APR/LEASE RATE 6.84%
MONTHLY PAYMENT $286
MISCELLANEOUS COMMENTARY: New VW Jetta SE 2.5! I have some older badies but everything else that is recent is good! I have never had a car loan so I was happy to get this and hope to build up and qualify for the promo rates on my next car loan
#306
Posted 25 February 2011 - 09:47 AM
APPROVING BANK Americredit/GM Financial
BUREAU PULLED Equifax
CREDIT SCORE 612 Auto Enhanced
CUSTOMER STATE OF RESIDENCE FL
NEW/USED Used
YEAR OF VEHICLE 2006
MILEAGE 60,800
RETAIL/LEASE Retail
AMOUNT OF LOAN $14,700
ADVANCE PERCENTAGE
TERM CONTRACTED 72
APR/LEASE RATE 15.9%
MONTHLY PAYMENT $319
MISCELLANEOUS COMMENTARY: $1,000 down payment. Good income and several autos paid off, but Bankruptcy discharged only 9 months ago. Could have bought a more expensive car, dealer said I would be fine to buy an Expedition I was looking at that would have been 22K, but I wanted to be conservative and not get into trouble stretching myself like I did pre-bankruptcy.
BUREAU PULLED Equifax
CREDIT SCORE 612 Auto Enhanced
CUSTOMER STATE OF RESIDENCE FL
NEW/USED Used
YEAR OF VEHICLE 2006
MILEAGE 60,800
RETAIL/LEASE Retail
AMOUNT OF LOAN $14,700
ADVANCE PERCENTAGE
TERM CONTRACTED 72
APR/LEASE RATE 15.9%
MONTHLY PAYMENT $319
MISCELLANEOUS COMMENTARY: $1,000 down payment. Good income and several autos paid off, but Bankruptcy discharged only 9 months ago. Could have bought a more expensive car, dealer said I would be fine to buy an Expedition I was looking at that would have been 22K, but I wanted to be conservative and not get into trouble stretching myself like I did pre-bankruptcy.
Edited by KevinInFlorida, 25 February 2011 - 09:51 AM.
#307
Posted 28 February 2011 - 12:31 AM
APPROVING BANK Ally
BUREAU PULLED Transunion
CREDIT SCORE 740
CUSTOMER STATE OF RESIDENCE IL
NEW/USED New
YEAR OF VEHICLE 2011
MILEAGE 8
RETAIL/LEASE Retail
AMOUNT OF LOAN $21,731.57
ADVANCE PERCENTAGE 82%
TERM CONTRACTED 60
APR/LEASE RATE 2.90%
MONTHLY PAYMENT $389.98
MISCELLANEOUS COMMENTARY: New 2011 Jeep Patriot 4x4. TU 740...7% utilization...clean but thin credit file...closed joint accounts and opened new lines post-divorce, so low revolving limits and AAoA. Approved @ 4.96% by Cap1...Online app to Ally resulted in instant denial (length at residence <1 year??)...had dealer re-submit to Ally with income verification and was approved @ 2.90%. Raised TU score from 660 to 740 over last 10 months. Purchased vehicle 1 year and 1 day after being offered a used car loan @ 21% for 84 months by Santander. What a difference a year makes.
Bonus fun fact: When I got home and looked through the factory documents, I found out the vehicle rolled off the assembly line on my birthday.
BUREAU PULLED Transunion
CREDIT SCORE 740
CUSTOMER STATE OF RESIDENCE IL
NEW/USED New
YEAR OF VEHICLE 2011
MILEAGE 8
RETAIL/LEASE Retail
AMOUNT OF LOAN $21,731.57
ADVANCE PERCENTAGE 82%
TERM CONTRACTED 60
APR/LEASE RATE 2.90%
MONTHLY PAYMENT $389.98
MISCELLANEOUS COMMENTARY: New 2011 Jeep Patriot 4x4. TU 740...7% utilization...clean but thin credit file...closed joint accounts and opened new lines post-divorce, so low revolving limits and AAoA. Approved @ 4.96% by Cap1...Online app to Ally resulted in instant denial (length at residence <1 year??)...had dealer re-submit to Ally with income verification and was approved @ 2.90%. Raised TU score from 660 to 740 over last 10 months. Purchased vehicle 1 year and 1 day after being offered a used car loan @ 21% for 84 months by Santander. What a difference a year makes.
Bonus fun fact: When I got home and looked through the factory documents, I found out the vehicle rolled off the assembly line on my birthday.
#308
Posted 05 March 2011 - 09:39 PM
APPROVING BANK: FIFS
BUREAU PULLED: Equifax
CREDIT SCORE: 480 Wife / 467 Me
CUSTOMER STATE OF RESIDENCE: Georgia
NEW/USED: Used
YEAR OF VEHICLE: 2008
MILEAGE: 20,100
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 19,900
ADVANCE PERCENTAGE: 60%
TERM CONTRACTED: 72
APR/LEASE RATE: 17.21%
MONTHLY PAYMENT: 432.70
MISCELLANEOUS COMMENTARY: Proud owner of a 2008 Mercedes Benz C300. We are on the upswing after a failed business venture. This is the first time that we have had to get a loan with bad credit. Lots of charge offs and slow pays, but mortgage has always been on time. We put down $9000 and have combined income of over $150,000 a year.
BUREAU PULLED: Equifax
CREDIT SCORE: 480 Wife / 467 Me
CUSTOMER STATE OF RESIDENCE: Georgia
NEW/USED: Used
YEAR OF VEHICLE: 2008
MILEAGE: 20,100
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 19,900
ADVANCE PERCENTAGE: 60%
TERM CONTRACTED: 72
APR/LEASE RATE: 17.21%
MONTHLY PAYMENT: 432.70
MISCELLANEOUS COMMENTARY: Proud owner of a 2008 Mercedes Benz C300. We are on the upswing after a failed business venture. This is the first time that we have had to get a loan with bad credit. Lots of charge offs and slow pays, but mortgage has always been on time. We put down $9000 and have combined income of over $150,000 a year.
#309
Posted 07 March 2011 - 04:02 PM
APPROVING BANK NFCU - Navy Federal Credit Union
BUREAU PULLED Equifax
CREDIT SCORE 619
CUSTOMER STATE OF RESIDENCE Florida
NEW/USED Used
YEAR OF VEHICLE 1973 Volkswagen Beetle
MILEAGE Exempt
RETAIL/LEASE Retail
AMOUNT OF LOAN $3,800.00
ADVANCE PERCENTAGE
TERM CONTRACTED Chose 30 months
APR/LEASE RATE 11.09
MONTHLY PAYMENT 145.00
MISCELLANEOUS COMMENTARY: 2nd auto loan with NFCU in 6 months
BUREAU PULLED Equifax
CREDIT SCORE 619
CUSTOMER STATE OF RESIDENCE Florida
NEW/USED Used
YEAR OF VEHICLE 1973 Volkswagen Beetle
MILEAGE Exempt
RETAIL/LEASE Retail
AMOUNT OF LOAN $3,800.00
ADVANCE PERCENTAGE
TERM CONTRACTED Chose 30 months
APR/LEASE RATE 11.09
MONTHLY PAYMENT 145.00
MISCELLANEOUS COMMENTARY: 2nd auto loan with NFCU in 6 months
Edited by MownGo, 07 March 2011 - 04:09 PM.
#310
Posted 12 March 2011 - 01:45 AM
APPROVING BANK-Capital OneBUREAU PULLED-Experian
CREDIT SCORE-620 Auto Enhanced
CUSTOMER STATE OF RESIDENCE-CA
NEW/USED-Used
YEAR OF VEHICLE-2010 Hyundai Genesis Coupe
MILEAGE-10,600
RETAIL/LEASE-Retail
AMOUNT OF LOAN-21,700 w/ TTL
ADVANCE PERCENTAGE-93%
TERM CONTRACTED-72
APR/LEASE RATE-12%
MONTHLY PAYMENT-426
MISCELLANEOUS COMMENTARY:$1600 down. I applied online through the dealer and was called with an approval a couple hours later. Required POI. Interest rate is not the greatest, but I plan on refinancing within 6 months if my scores improve.
CREDIT SCORE-620 Auto Enhanced
CUSTOMER STATE OF RESIDENCE-CA
NEW/USED-Used
YEAR OF VEHICLE-2010 Hyundai Genesis Coupe
MILEAGE-10,600
RETAIL/LEASE-Retail
AMOUNT OF LOAN-21,700 w/ TTL
ADVANCE PERCENTAGE-93%
TERM CONTRACTED-72
APR/LEASE RATE-12%
MONTHLY PAYMENT-426
MISCELLANEOUS COMMENTARY:$1600 down. I applied online through the dealer and was called with an approval a couple hours later. Required POI. Interest rate is not the greatest, but I plan on refinancing within 6 months if my scores improve.
Edited by MarvBear, 12 March 2011 - 06:06 PM.
#311
Posted 12 March 2011 - 12:03 PM
APPROVING BANK: Service CU
BUREAU PULLED: Experian
CREDIT SCORE: North of 800 (couldnt tell me the exact score) Auto FICO
CUSTOMER STATE OF RESIDENCE: Military Overseas
NEW/USED: New
YEAR OF VEHICLE: 2011 or 2012
MILEAGE: Build
RETAIL/LEASE: Retail
AMOUNT OF LOAN: Up to $42,000
ADVANCE PERCENTAGE: 100%
TERM CONTRACTED: 70
APR/LEASE RATE: 2.24%
MONTHLY PAYMENT: $655
MISCELLANEOUS COMMENTARY: Took 4 hours from online app to approved over the phone. Asked a lot of questions but was easy to complete. 2nd auto loan through same bank, first lone 1/2 paid off. 20% UTIL but only on 1 card. They said I could refinance my current loan with the same credit pull for up to 30 days. Great customer service.
Going to purchase Volvo XC60
BUREAU PULLED: Experian
CREDIT SCORE: North of 800 (couldnt tell me the exact score) Auto FICO
CUSTOMER STATE OF RESIDENCE: Military Overseas
NEW/USED: New
YEAR OF VEHICLE: 2011 or 2012
MILEAGE: Build
RETAIL/LEASE: Retail
AMOUNT OF LOAN: Up to $42,000
ADVANCE PERCENTAGE: 100%
TERM CONTRACTED: 70
APR/LEASE RATE: 2.24%
MONTHLY PAYMENT: $655
MISCELLANEOUS COMMENTARY: Took 4 hours from online app to approved over the phone. Asked a lot of questions but was easy to complete. 2nd auto loan through same bank, first lone 1/2 paid off. 20% UTIL but only on 1 card. They said I could refinance my current loan with the same credit pull for up to 30 days. Great customer service.
Going to purchase Volvo XC60
#312
Posted 16 March 2011 - 12:30 PM
APPROVING BANK: Americredit
BUREAU PULLED: TransUnion
CREDIT SCORE: 614
CUSTOMER STATE OF RESIDENCE: Michigan
NEW/USED: Used
YEAR OF VEHICLE: 2010
MILEAGE: 12029
RETAIL/LEASE: Retail
AMOUNT OF LOAN:24,596
ADVANCE PERCENTAGE
TERM CONTRACTED: 72 months
APR/LEASE RATE: 18%
MONTHLY PAYMENT:563.00
MISCELLANEOUS COMMENTARY: Had no choice but to move now because our expanding family could NOT fit into my car!!! Credit was a little shaky because of high utilization and about 5 small medical bills. APR sucks<_< but I plan to pay down negative equity with bonus at beginning of next year, pay a little more principal each month, pay down my credit cards, and refinance! Even though I can afford it, I can't stomach having to pay that high a payment!
BUREAU PULLED: TransUnion
CREDIT SCORE: 614
CUSTOMER STATE OF RESIDENCE: Michigan
NEW/USED: Used
YEAR OF VEHICLE: 2010
MILEAGE: 12029
RETAIL/LEASE: Retail
AMOUNT OF LOAN:24,596
ADVANCE PERCENTAGE
TERM CONTRACTED: 72 months
APR/LEASE RATE: 18%
MONTHLY PAYMENT:563.00
MISCELLANEOUS COMMENTARY: Had no choice but to move now because our expanding family could NOT fit into my car!!! Credit was a little shaky because of high utilization and about 5 small medical bills. APR sucks<_< but I plan to pay down negative equity with bonus at beginning of next year, pay a little more principal each month, pay down my credit cards, and refinance! Even though I can afford it, I can't stomach having to pay that high a payment!
#313
Posted 19 March 2011 - 11:08 PM
APPROVING BANK Alaska Fed Credit Union
BUREAU PULLED All Three
CREDIT SCORE Experian 686 Equifax 736 TU 748
CUSTOMER STATE OF RESIDENCE California
NEW/USED New
YEAR OF VEHICLE 2011
MILEAGE 33
RETAIL/LEASE Retail
AMOUNT OF LOAN 42,664
ADVANCE PERCENTAGE
TERM CONTRACTED 78 mos
APR/LEASE RATE 3.99
MONTHLY PAYMENT 621.87
MISCELLANEOUS COMMENTARY: I had a BK that fell off March of 2010, I acquired 2 credit cards immediately after that and have had them for a year. I had not problem acquiring this loan with a 3.99% rate, I put down $10,000 including a trade. I had a car loan on my CB 3 year history that was paid off this month perfect payments, no late.
BUREAU PULLED All Three
CREDIT SCORE Experian 686 Equifax 736 TU 748
CUSTOMER STATE OF RESIDENCE California
NEW/USED New
YEAR OF VEHICLE 2011
MILEAGE 33
RETAIL/LEASE Retail
AMOUNT OF LOAN 42,664
ADVANCE PERCENTAGE
TERM CONTRACTED 78 mos
APR/LEASE RATE 3.99
MONTHLY PAYMENT 621.87
MISCELLANEOUS COMMENTARY: I had a BK that fell off March of 2010, I acquired 2 credit cards immediately after that and have had them for a year. I had not problem acquiring this loan with a 3.99% rate, I put down $10,000 including a trade. I had a car loan on my CB 3 year history that was paid off this month perfect payments, no late.
#314
Posted 29 March 2011 - 12:43 PM
APPROVING BANK Local Credit Union
BUREAU PULLED Transunion
CREDIT SCORE 732 (I see a Fico of 750)
CUSTOMER STATE OF RESIDENCE Puerto Rico
NEW/USED New
YEAR OF VEHICLE 2011 Dodge RAM HEMI
MILEAGE 0
RETAIL/LEASE 36,188
AMOUNT OF LOAN 31,000
ADVANCE PERCENTAGE
TERM CONTRACTED 72 Months
APR/LEASE RATE 5.95
MONTHLY PAYMENT $513
MISCELLANEOUS COMMENTARY: biggest credit was a 3500 loan that I got 8 months ago and was paid off 2 weeks ago.... AAOA 2.4 years
BUREAU PULLED Transunion
CREDIT SCORE 732 (I see a Fico of 750)
CUSTOMER STATE OF RESIDENCE Puerto Rico
NEW/USED New
YEAR OF VEHICLE 2011 Dodge RAM HEMI
MILEAGE 0
RETAIL/LEASE 36,188
AMOUNT OF LOAN 31,000
ADVANCE PERCENTAGE
TERM CONTRACTED 72 Months
APR/LEASE RATE 5.95
MONTHLY PAYMENT $513
MISCELLANEOUS COMMENTARY: biggest credit was a 3500 loan that I got 8 months ago and was paid off 2 weeks ago.... AAOA 2.4 years
Edited by MarvBear, 29 March 2011 - 08:44 PM.
#315
Posted 31 March 2011 - 09:53 AM
APPROVING BANK: USAA
BUREAU PULLED: EQUIFAX
CREDIT SCORE: EQ: 685 (myFico), 726 (USAA CCM); TU: 696(myFico), 734 (USAA CCM); EX: 705 (USAA CCM)
CUSTOMER STATE OF RESIDENCE: PA
NEW/USED: NEW
YEAR OF VEHICLE: 2011
MILEAGE: N/A
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: 46,000
ADVANCE PERCENTAGE: 0
TERM CONTRACTED: 60Mos/72Mos
APR/LEASE RATE: 7.35% (60mos)/8.24% (72mos)
MONTHLY PAYMENT: N/A
MISCELLANEOUS COMMENTARY: This was to get a preapproval before I go shopping/make a deal. Screwed up, though, because I just paid down a good portion of my outstanding CC balances, which should raise my score, so I should have waited until that hit my report before proceeding. I would like to get a lower rate than this, so I may be reapplying, looking at other options after my score updates, or getting my wife to cosign...
BUREAU PULLED: EQUIFAX
CREDIT SCORE: EQ: 685 (myFico), 726 (USAA CCM); TU: 696(myFico), 734 (USAA CCM); EX: 705 (USAA CCM)
CUSTOMER STATE OF RESIDENCE: PA
NEW/USED: NEW
YEAR OF VEHICLE: 2011
MILEAGE: N/A
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: 46,000
ADVANCE PERCENTAGE: 0
TERM CONTRACTED: 60Mos/72Mos
APR/LEASE RATE: 7.35% (60mos)/8.24% (72mos)
MONTHLY PAYMENT: N/A
MISCELLANEOUS COMMENTARY: This was to get a preapproval before I go shopping/make a deal. Screwed up, though, because I just paid down a good portion of my outstanding CC balances, which should raise my score, so I should have waited until that hit my report before proceeding. I would like to get a lower rate than this, so I may be reapplying, looking at other options after my score updates, or getting my wife to cosign...
Edited by Darth_Hangover, 31 March 2011 - 09:58 AM.
#316
Posted 07 April 2011 - 04:13 PM
APPROVING BANK: Santander Consumer
BUREAU PULLED: EQUIFAX
CREDIT SCORE: EQ:519, EX 527, TU 535
CUSTOMER STATE OF RESIDENCE: NC
NEW/USED:USED
YEAR OF VEHICLE: 2007
MILEAGE: 25,565
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: 16,767
ADVANCE PERCENTAGE: 0
TERM CONTRACTED: 72Mos
APR/LEASE RATE: 22%
MONTHLY PAYMENT 423
Not really the bank that I wanted to go with. Had a repo that was just getting ready to come off, but bought the truck before it did. Lots of CO accounts, but am in the process of rebuilding my credit.
BUREAU PULLED: EQUIFAX
CREDIT SCORE: EQ:519, EX 527, TU 535
CUSTOMER STATE OF RESIDENCE: NC
NEW/USED:USED
YEAR OF VEHICLE: 2007
MILEAGE: 25,565
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: 16,767
ADVANCE PERCENTAGE: 0
TERM CONTRACTED: 72Mos
APR/LEASE RATE: 22%
MONTHLY PAYMENT 423
Not really the bank that I wanted to go with. Had a repo that was just getting ready to come off, but bought the truck before it did. Lots of CO accounts, but am in the process of rebuilding my credit.
#317
Posted 16 April 2011 - 03:58 PM
APPROVING BANK Mountain America Credit Union (Utah)
BUREAU PULLED All Three
CREDIT SCORE Experian 630 Equifax 563 TU 652
CUSTOMER STATE OF RESIDENCE California
NEW/USED New
YEAR OF VEHICLE 2011
MILEAGE 5
RETAIL/LEASE Retail
AMOUNT OF LOAN 52,400
ADVANCE PERCENTAGE
TERM CONTRACTED 60 mos
APR/LEASE RATE 8.25
MONTHLY PAYMENT 985
MISCELLANEOUS COMMENTARY: I had a dismissed Chapter 13 bankruptcy (dismissed, not discharged in 10/2008.) 3 Collection accounts and several charge offs. I had a car loan that was not included in the original bankruptcy that was pristine. No late payments at all. I had $4500 in equity on my trade-in for a loaded 2011 Toyota 4Runner. I could have knocked my interest rate down if I had put up an additional $3000. I went through the finance office of the Toyota Dealership in Reno, NV. They found the credit union. They then told me to come back in a year to refinance at a much lower APR. I think that my higher income and no lates on the auto loan helped. Also, using this site, in the past 3 months I have brought up my TU and EX scores by more than 50 points.
BUREAU PULLED All Three
CREDIT SCORE Experian 630 Equifax 563 TU 652
CUSTOMER STATE OF RESIDENCE California
NEW/USED New
YEAR OF VEHICLE 2011
MILEAGE 5
RETAIL/LEASE Retail
AMOUNT OF LOAN 52,400
ADVANCE PERCENTAGE
TERM CONTRACTED 60 mos
APR/LEASE RATE 8.25
MONTHLY PAYMENT 985
MISCELLANEOUS COMMENTARY: I had a dismissed Chapter 13 bankruptcy (dismissed, not discharged in 10/2008.) 3 Collection accounts and several charge offs. I had a car loan that was not included in the original bankruptcy that was pristine. No late payments at all. I had $4500 in equity on my trade-in for a loaded 2011 Toyota 4Runner. I could have knocked my interest rate down if I had put up an additional $3000. I went through the finance office of the Toyota Dealership in Reno, NV. They found the credit union. They then told me to come back in a year to refinance at a much lower APR. I think that my higher income and no lates on the auto loan helped. Also, using this site, in the past 3 months I have brought up my TU and EX scores by more than 50 points.
#318
Posted 27 April 2011 - 09:10 AM
I have to say thank you to this GREAT community!!! I was approved on 4/7/2011
APPROVING BANK: Navy Federal Credit Union
BUREAU PULLED: Equifax
CREDIT SCORE: 756
CUSTOMER STATE OF RESIDENCE: NC
NEW/USED: USED
YEAR OF VEHICLE: 2004
MILEAGE: 79900
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 11,500
ADVANCE PERCENTAGE :
TERM CONTRACTED: 60 months
APR/LEASE RATE: 3.99
MONTHLY PAYMENT: 213
MISCELLANEOUS COMMENTARY:
APPROVING BANK: Navy Federal Credit Union
BUREAU PULLED: Equifax
CREDIT SCORE: 756
CUSTOMER STATE OF RESIDENCE: NC
NEW/USED: USED
YEAR OF VEHICLE: 2004
MILEAGE: 79900
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 11,500
ADVANCE PERCENTAGE :
TERM CONTRACTED: 60 months
APR/LEASE RATE: 3.99
MONTHLY PAYMENT: 213
MISCELLANEOUS COMMENTARY:
Edited by MarvBear, 27 April 2011 - 05:53 PM.
#319
Posted 03 May 2011 - 08:31 AM
APPROVING BANK: BMW Financial
BUREAU PULLED: EQF
CREDIT SCORE: 675
CUSTOMER STATE OF RESIDENCE: IL, purchased in WINEW/USED: New
YEAR OF VEHICLE: 2011
MILEAGE: 5
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $73,000
ADVANCE PERCENTAGE: 115%
TERM CONTRACTED: 60mth
APR/LEASE RATE: 4.9% APR
MONTHLY PAYMENT: $1060 (w\ ballon pymt of 22k @ end)
MISCELLANEOUS COMMENTARY:
BUREAU PULLED: EQF
CREDIT SCORE: 675
CUSTOMER STATE OF RESIDENCE: IL, purchased in WINEW/USED: New
YEAR OF VEHICLE: 2011
MILEAGE: 5
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $73,000
ADVANCE PERCENTAGE: 115%
TERM CONTRACTED: 60mth
APR/LEASE RATE: 4.9% APR
MONTHLY PAYMENT: $1060 (w\ ballon pymt of 22k @ end)
MISCELLANEOUS COMMENTARY:
#320
Posted 09 May 2011 - 01:59 PM
APPROVING BANK: Ford Motor Credit
BUREAU PULLED: TU
CREDIT SCORE: 650
CUSTOMER STATE OF RESIDENCE: IL
NEW/USED: New
YEAR OF VEHICLE: 2011
MILEAGE: 5500
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 21,000
ADVANCE PERCENTAGE: ?
TERM CONTRACTED: 72 mos
APR/LEASE RATE: 1.9% APR
MONTHLY PAYMENT: $319.80
MISCELLANEOUS COMMENTARY: Traded in a paid off Explorer for a '11 Escape, 10,000 trade, 0% down, previous FMCC loan paid perfectly.
BUREAU PULLED: TU
CREDIT SCORE: 650
CUSTOMER STATE OF RESIDENCE: IL
NEW/USED: New
YEAR OF VEHICLE: 2011
MILEAGE: 5500
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 21,000
ADVANCE PERCENTAGE: ?
TERM CONTRACTED: 72 mos
APR/LEASE RATE: 1.9% APR
MONTHLY PAYMENT: $319.80
MISCELLANEOUS COMMENTARY: Traded in a paid off Explorer for a '11 Escape, 10,000 trade, 0% down, previous FMCC loan paid perfectly.
#321
Posted 26 May 2011 - 02:43 PM
APPROVING BANK: Ally
BUREAU PULLED: Equifax / CSC
CREDIT SCORE: 785
CUSTOMER STATE OF RESIDENCE: TX
NEW/USED: Used
YEAR OF VEHICLE: 2010
MILEAGE: 27K
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $35K
ADVANCE PERCENTAGE Have no idea what this is
TERM CONTRACTED: 60 Months
APR/LEASE RATE: 2.9% (Also approved for 1.9% if I went with a shorter term but opted to do the 60 months)
MONTHLY PAYMENT: $600
MISCELLANEOUS COMMENTARY: No lates or derogs on EQ. Low utilization. No inquiries on EQ either prior to them pulling. This was my best of the 3 CRA's so I insisted they pull EQ/CSC ONLY for approval.
BUREAU PULLED: Equifax / CSC
CREDIT SCORE: 785
CUSTOMER STATE OF RESIDENCE: TX
NEW/USED: Used
YEAR OF VEHICLE: 2010
MILEAGE: 27K
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $35K
ADVANCE PERCENTAGE Have no idea what this is
TERM CONTRACTED: 60 Months
APR/LEASE RATE: 2.9% (Also approved for 1.9% if I went with a shorter term but opted to do the 60 months)
MONTHLY PAYMENT: $600
MISCELLANEOUS COMMENTARY: No lates or derogs on EQ. Low utilization. No inquiries on EQ either prior to them pulling. This was my best of the 3 CRA's so I insisted they pull EQ/CSC ONLY for approval.
#322
Posted 04 June 2011 - 05:36 PM
APPROVING BANK Wells Fargo
BUREAU PULLED Equiafx
CREDIT SCORE 680 Auto Enhanced
CUSTOMER STATE OF RESIDENCE NC
NEW/USED New
YEAR OF VEHICLE 2011
MILEAGE 55
RETAIL/LEASE Retail
AMOUNT OF LOAN $37,700
ADVANCE PERCENTAGE 93%
TERM CONTRACTED 72
APR/LEASE RATE 6.0%
MONTHLY PAYMENT $621
MISCELLANEOUS COMMENTARY: BK from 12/09 traded in a car with a 18% loan from right after the bk, was 1k upside down on it.
BUREAU PULLED Equiafx
CREDIT SCORE 680 Auto Enhanced
CUSTOMER STATE OF RESIDENCE NC
NEW/USED New
YEAR OF VEHICLE 2011
MILEAGE 55
RETAIL/LEASE Retail
AMOUNT OF LOAN $37,700
ADVANCE PERCENTAGE 93%
TERM CONTRACTED 72
APR/LEASE RATE 6.0%
MONTHLY PAYMENT $621
MISCELLANEOUS COMMENTARY: BK from 12/09 traded in a car with a 18% loan from right after the bk, was 1k upside down on it.
Edited by Klesko, 04 June 2011 - 05:37 PM.
#323
Posted 09 June 2011 - 10:25 AM
APPROVING BANK Dallas Credit Union
BUREAU PULLED Experian
CREDIT SCORE 543
CUSTOMER STATE OF RESIDENCE TX
NEW/USED Used Acura
YEAR OF VEHICLE 2009
MILEAGE 27000
RETAIL/LEASE Retail
AMOUNT OF LOAN $26,599
ADVANCE PERCENTAGE 105%
TERM CONTRACTED 60
APR/LEASE RATE 4.9% (Qualified for 0% @ 60 mos, too)
MONTHLY PAYMENT $500
MISCELLANEOUS COMMENTARY: post BK13 dismissed. 6 new credit cards low limits- loan officer pulled report saw disputes on baddies. And approved based on income and new credit history. Love credit unions!!!
BUREAU PULLED Experian
CREDIT SCORE 543
CUSTOMER STATE OF RESIDENCE TX
NEW/USED Used Acura
YEAR OF VEHICLE 2009
MILEAGE 27000
RETAIL/LEASE Retail
AMOUNT OF LOAN $26,599
ADVANCE PERCENTAGE 105%
TERM CONTRACTED 60
APR/LEASE RATE 4.9% (Qualified for 0% @ 60 mos, too)
MONTHLY PAYMENT $500
MISCELLANEOUS COMMENTARY: post BK13 dismissed. 6 new credit cards low limits- loan officer pulled report saw disputes on baddies. And approved based on income and new credit history. Love credit unions!!!
#324
Posted 18 June 2011 - 09:08 PM
APPROVING BANK Wells Fargo
BUREAU PULLED ?
CREDIT SCORE 660
CUSTOMER STATE OF RESIDENCE CT
NEW/USED USED
YEAR OF VEHICLE 2007
MILEAGE 36,000
RETAIL/LEASE Retail
AMOUNT OF LOAN $22,000
ADVANCE PERCENTAGE ?
TERM CONTRACTED 72
APR/LEASE RATE 10.9%
MONTHLY PAYMENT $434
MISCELLANEOUS COMMENTARY: Bk Ch7 discharged in 2008. Rebuilding credit, only have 1 credit card with $1000 limit and other with $750 limit. Bought Acura MDX certified pre owned and put $5000 down.
BUREAU PULLED ?
CREDIT SCORE 660
CUSTOMER STATE OF RESIDENCE CT
NEW/USED USED
YEAR OF VEHICLE 2007
MILEAGE 36,000
RETAIL/LEASE Retail
AMOUNT OF LOAN $22,000
ADVANCE PERCENTAGE ?
TERM CONTRACTED 72
APR/LEASE RATE 10.9%
MONTHLY PAYMENT $434
MISCELLANEOUS COMMENTARY: Bk Ch7 discharged in 2008. Rebuilding credit, only have 1 credit card with $1000 limit and other with $750 limit. Bought Acura MDX certified pre owned and put $5000 down.
#325
Posted 25 June 2011 - 04:55 AM
APPROVING BANK:PSECU
BUREAU PULLED: EX
CREDIT SCORE: 720
CUSTOMER STATE OF RESIDENCE: MD
NEW/USED:
YEAR OF VEHICLE
MILEAGE
RETAIL/LEASE
AMOUNT OF LOAN: 45,000
ADVANCE PERCENTAGE: N/A
TERM CONTRACTED: 72
APR/LEASE RATE: 4.99%
MONTHLY PAYMENT: $777.00
MISCELLANEOUS COMMENTARY: Pre-approval. Not sure if I am going to use the loan to buy or try to lease. Hope to make that decision soon, but it is nice to have this pre-approval in my back pocket.
BUREAU PULLED: EX
CREDIT SCORE: 720
CUSTOMER STATE OF RESIDENCE: MD
NEW/USED:
YEAR OF VEHICLE
MILEAGE
RETAIL/LEASE
AMOUNT OF LOAN: 45,000
ADVANCE PERCENTAGE: N/A
TERM CONTRACTED: 72
APR/LEASE RATE: 4.99%
MONTHLY PAYMENT: $777.00
MISCELLANEOUS COMMENTARY: Pre-approval. Not sure if I am going to use the loan to buy or try to lease. Hope to make that decision soon, but it is nice to have this pre-approval in my back pocket.
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