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TODAY'S APPROVALS


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504 replies to this topic

#326 pandora80

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Posted 28 June 2011 - 12:08 AM

APPROVING BANK:Santander
BUREAU PULLED: TU
CREDIT SCORE: 596
CUSTOMER STATE OF RESIDENCE: NC
NEW/USED: USED
YEAR OF VEHICLE 2010
MILEAGE 13000
RETAIL/LEASE RETAIL
AMOUNT OF LOAN: 17301
ADVANCE PERCENTAGE: N/A
TERM CONTRACTED: 72
APR/LEASE RATE: 13.24
MONTHLY PAYMENT: $348.12
MISCELLANEOUS COMMENTARY:



#327 abercrombie9701

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Posted 29 June 2011 - 05:12 PM

APPROVING BANK Wells Fargo
BUREAU PULLED EQ
CREDIT SCORE 600
CUSTOMER STATE OF RESIDENCE MA
NEW/USED Used
YEAR OF VEHICLE 2007
MILEAGE 47k
RETAIL/LEASE Retail
AMOUNT OF LOAN 16,929
ADVANCE PERCENTAGE
TERM CONTRACTED 66
APR/LEASE RATE 12.99
MONTHLY PAYMENT 362
MISCELLANEOUS COMMENTARY: Rebuilding credit. Have 1 $250 cap one card and mortgage reporting Goos income

#328 Sofargone

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Posted 30 June 2011 - 04:54 PM

APPROVING BANK Chase
BUREAU PULLED Experian
CREDIT SCORE 620
CUSTOMER STATE OF RESIDENCE AZ
NEW/USED New
YEAR OF VEHICLE 2012
MILEAGE 17 miles
RETAIL/LEASE Retail
AMOUNT OF LOAN 19,050
ADVANCE PERCENTAGE
TERM CONTRACTED 60
APR/LEASE RATE 5.10
MONTHLY PAYMENT 361
MISCELLANEOUS COMMENTARY: We are 10 months post Ch.7 Discharge. We include 5 different Chase accounts in our Bankruptcy. We have never been late or missed a vehicle loan payment. Vehicle was a 2012 Hyundai Accent GLS that was $16,400 + TTL

#329 diesel66

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Posted 05 July 2011 - 08:34 PM

APPROVING BANK Capital One Auto Finance (Blank Check)
BUREAU PULLED Equifax
CREDIT SCORE 592
CUSTOMER STATE OF RESIDENCE GA
NEW/USED Used
YEAR OF VEHICLE 2011
MILEAGE 4200
RETAIL/LEASE Retail
AMOUNT OF LOAN 28363
ADVANCE PERCENTAGE 96%
TERM CONTRACTED 72
APR/LEASE RATE 10.48
MONTHLY PAYMENT 535
MISCELLANEOUS COMMENTARY: BK-7 discharged 9 months ago. This is my 2nd auto loan since discharge. Applied online for Cap1 Blank Check, was asked to fax in my DL and one paystub no older than 40 days. Loan approved for $30,000 with 110% LTV. They required the dealer to fax 3 things- copy of the buyer's order, a like invoice on the car I bought (2011 Ford Explorer), and a copy of the front and back of the completed blank check. Included 3 Cap1 CC accounts in my bankruptcy. Ironically, I applied for a Cap1 CC 2 days before this loan app and one day after, declined both times for the credit card!

Edited by diesel66, 05 July 2011 - 08:39 PM.


#330 jgill84

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Posted 15 July 2011 - 11:13 PM

APPROVING BANK CarMax Auto Finance
BUREAU PULLED Equifax
CREDIT SCORE 600
CUSTOMER STATE OF RESIDENCE NC
NEW/USED Used
YEAR OF VEHICLE 2008
MILEAGE 53124
RETAIL/LEASE Retail
AMOUNT OF LOAN 20828.97
ADVANCE PERCENTAGE 103%
TERM CONTRACTED 72
APR/LEASE RATE 13.75
MONTHLY PAYMENT 429
MISCELLANEOUS COMMENTARY
2nd auto loan since Mar 2011. didnt ask to trade open auto, or any stips. Sign and drive

#331 Fitzhume

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Posted 22 July 2011 - 10:18 PM

APPROVING BANK - Navy Federal Credit Union NFCU
BUREAU PULLED - Equifax
CREDIT SCORE - 655 (FICO)
CUSTOMER STATE OF RESIDENCE - MA
NEW/USED - New
YEAR OF VEHICLE - 2011
MILEAGE - 0
RETAIL/LEASE - Retail
AMOUNT OF LOAN - $24,000
ADVANCE PERCENTAGE - 100%
TERM CONTRACTED - 60
APR/LEASE RATE 4.99
MONTHLY PAYMENT - $452
MISCELLANEOUS COMMENTARY: Preapproval up to $24,000. Chapter 7 BK from 6/2009.

#332 lungbrown

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Posted 27 July 2011 - 05:15 AM

APPROVING BANK - Navy Federal Credit Union NFCU
BUREAU PULLED - Equifax
CREDIT SCORE – 740 (educated guess at FICO) (TU FICO=756)
CUSTOMER STATE OF RESIDENCE - NC
NEW/USED – Used
YEAR OF VEHICLE – 2006
MILEAGE - 99000
RETAIL/LEASE - Retail
AMOUNT OF LOAN - $13500
ADVANCE PERCENTAGE - 100%
TERM CONTRACTED - 60
APR/LEASE RATE 4.29
MONTHLY PAYMENT - $250
MISCELLANEOUS COMMENTARY: Instant approval after I prequalified 5 months ago - Modest income. Unfortunately, Penfed wouldn't loan me anything for a car :(

#333 road2freedom

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Posted 27 July 2011 - 09:06 AM

APPROVING BANK - Capital One Auto Finance
BUREAU PULLED - Equifax
CREDIT SCORE - 678 (Auto Enhanced FICO)
CUSTOMER STATE OF RESIDENCE - FL
NEW/USED - Refi
YEAR OF VEHICLE - 2008
MILEAGE - 46000
RETAIL/LEASE - Retail
AMOUNT OF LOAN - $24,767
ADVANCE PERCENTAGE - 120%
TERM CONTRACTED - 54
APR/LEASE RATE 12.86%
MONTHLY PAYMENT - $606
MISCELLANEOUS COMMENTARY: Instant approved, pulled EQ and TU (did not provide TU score, but fako is 684). It's not the best rate but NFCU wouldn't touch me without 6 months of post BK7 auto history, so I'll plan to refi in February.

#334 John Locke

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Posted 28 July 2011 - 11:37 AM

APPROVING BANK Capital One Auto Finance
BUREAU PULLED Not sure yet. I'll update the post later.
CREDIT SCORE 654, 642, 642
CUSTOMER STATE OF RESIDENCE PA
NEW/USED New
YEAR OF VEHICLE 2011
MILEAGE 10
RETAIL/LEASE Retail
AMOUNT OF LOAN $17,000
ADVANCE PERCENTAGE
TERM CONTRACTED 60
APR/LEASE RATE 7.45%
MONTHLY PAYMENT $340
MISCELLANEOUS COMMENTARY: Not too bad!

#335 hektik02

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Posted 07 August 2011 - 08:48 AM

APPROVING BANK: Mitsubishi Motor Credit
BUREAU PULLED: TU / EXP
CREDIT SCORE: 633 / 680
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: NEW
YEAR OF VEHICLE 2011
MILEAGE 16
RETAIL/LEASE RETAIL
AMOUNT OF LOAN: 35000
ADVANCE PERCENTAGE: N/A
TERM CONTRACTED: 72
APR/LEASE RATE: 5.9
MONTHLY PAYMENT: $564
MISCELLANEOUS COMMENTARY: This is my 2nd auto loan. Already have an auto loan with NFCU. It was weird, they couldnt finance me a used vehicle, but Mitsubishi Motors allowed me to purchase a NEW vechile. 2011 mitsubishi lancer evolution x

#336 road2freedom

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Posted 09 August 2011 - 01:19 PM

So... yeah the approval above, while technically was an approval, CapOne backed out because I was not on the original loan that we were trying to refi in just my name (even though they said it was okay when I applied...but moving on).

I completed the paperwork today with my old credit union. I've been with them for about 12 years, did not IIB them but really never used them for lending. They are typically pretty stingy based on my past experiences. This time though - they came through!

APPROVING BANK - VyStar Credit Union
BUREAU PULLED - Equifax
CREDIT SCORE - 660 (FICO)
CUSTOMER STATE OF RESIDENCE - FL
NEW/USED - Used
YEAR OF VEHICLE - 2008
MILEAGE - 46000
RETAIL/LEASE - Retail
AMOUNT OF LOAN - $22,025
ADVANCE PERCENTAGE - 100% (would not exceed 100% NADA retail LTV)
TERM CONTRACTED - 60
APR/LEASE RATE 6.99%
MONTHLY PAYMENT - $446
MISCELLANEOUS COMMENTARY: This process took a long time but it was worth it. The reps were very friendly and for anyone following my struggles with this process, you know how big of a victory this was.

#337 whr2begin

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Posted 17 August 2011 - 10:00 PM

APPROVING BANK PSECU
BUREAU PULLED Experian
CREDIT SCORE 705
CUSTOMER STATE OF RESIDENCE NY
NEW/USED Used
YEAR OF VEHICLE 2008
MILEAGE 43945
RETAIL/LEASE Retail
AMOUNT OF LOAN $47,853
ADVANCE PERCENTAGE IDK
TERM CONTRACTED 60 Months
APR/LEASE RATE 4.99
MONTHLY PAYMENT $904
MISCELLANEOUS COMMENTARY I bought a car 6 months ago and my credit file was VERY thin, I have done alot since then and brought up my scores. I also have 17yr history. I asked for 50K and received it, no documents necessary. I (OF COURSE) was upside down in my loan (21% rate) by a little and was finally able to get what I really wanted.


#338 steve0219

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Posted 21 August 2011 - 09:23 PM

APPROVING BANK - Excel Auto Finance
BUREAU PULLED - Experian
CREDIT SCORE - 543
CUSTOMER STATE OF RESIDENCE - TX
NEW/USED Used
YEAR OF VEHICLE 2008
MILEAGE 57000
RETAIL/LEASE Retail
AMOUNT OF LOAN $13,820
ADVANCE PERCENTAGE - 80%
TERM CONTRACTED 48 Months
APR/LEASE RATE 16.95
MONTHLY PAYMENT $420
MISCELLANEOUS COMMENTARY - Have a ton of charge offs, and 1 repo (Paid off). Could have purchased a more expensive car, but I am happy with my new car.

#339 brianh

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Posted 24 August 2011 - 01:38 PM

APPROVING BANK - First Community CU
BUREAU PULLED - Equifax and TU (I think)
CREDIT SCORE - 701 myfico, fico model used not disclosed
CUSTOMER STATE OF RESIDENCE - MO
NEW/USED New
YEAR OF VEHICLE 2011
MILEAGE 7
RETAIL/LEASE Retail
AMOUNT OF LOAN $17,700
ADVANCE PERCENTAGE - 100%
TERM CONTRACTED 60 Months
APR/LEASE RATE 2.99
MONTHLY PAYMENT $31x
MISCELLANEOUS COMMENTARY - high DTI/revolving debt, Fahrvergnügen

#340 cammy5

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Posted 24 August 2011 - 03:09 PM

APPROVING BANK - Hyundai Motor Finance
BUREAU PULLED - Equifax
CREDIT SCORE - 678 FICO and 666 AutoEnhanced
CUSTOMER STATE OF RESIDENCE - AL
NEW/USED New
YEAR OF VEHICLE 2012
MILEAGE 5
RETAIL/LEASE Retail
AMOUNT OF LOAN $19200
ADVANCE PERCENTAGE - 110%
TERM CONTRACTED 72 Months
APR/LEASE RATE 8.29
MONTHLY PAYMENT $334
MISCELLANEOUS COMMENTARY - Repo from January 2007 but perfect other than that; 18 years history with three perfectly paid/closed car loans (joint); initially turned down but finance mgr called for approval. Just FYI, their cut off for the best rate of 2.9 was 680 so I just missed it.

#341 freshstart1

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Posted 25 August 2011 - 04:55 PM

APPROVING BANK: Toyota
BUREAU PULLED: Experian
CREDIT SCORE: 529
CUSTOMER STATE OF RESIDENCE: Kansas
NEW/USED: Used
YEAR OF VEHICLE: 2008
MILEAGE: 34700
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 16990
ADVANCE PERCENTAGE:
TERM CONTRACTED: 60 months
APR/LEASE RATE: 18%
MONTHLY PAYMENT: $404
MISCELLANEOUS COMMENTARY: Chap 7 bk in 2007, divorce 2009, repo on file form then. Good auto credit hx since then. charge offs, judgements on file. Thankful for this b/c CapOne was going to approve for 25% rate and 72 month term at same payment! Put $1000 down.

#342 hottdogg

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Posted 07 September 2011 - 11:09 AM

APPROVING BANK:Capital one
BUREAU PULLED: Equifax
CREDIT SCORE: 625
CUSTOMER STATE OF RESIDENCE:MD
NEW/USED: New
YEAR OF VEHICLE 2011
MILEAGE 713
RETAIL/LEASE RETAIL
AMOUNT OF LOAN: 29850
ADVANCE PERCENTAGE: 100% Financed taxes and tags
TERM CONTRACTED: 72
APR/LEASE RATE: 10.73
MONTHLY PAYMENT: $566.75
MISCELLANEOUS COMMENTARY: This approval is for my wife and we are 3 weeks from bankruptcy discharge date of 8/16 , she only has a Capital one card for $500 reporting but her income is really high and we a mortgage that's on time and she has 7 paid off car loans the latest being from 2009.

#343 tbear

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Posted 02 October 2011 - 05:46 PM

APPROVING BANK Fulton Bank
BUREAU PULLED Experian
CREDIT SCORE 721
CUSTOMER STATE OF RESIDENCE PA
NEW/USED New
YEAR OF VEHICLE 2011
MILEAGE 3
RETAIL/LEASE Retail
AMOUNT OF LOAN $28K and change
ADVANCE PERCENTAGE ?
TERM CONTRACTED 72
APR/LEASE RATE 5.49
MONTHLY PAYMENT $459
MISCELLANEOUS COMMENTARY: Wanted to go with PSECU, but they wanted W2's and Dealer had submitted Fulton and they had the loan on the spot. Both cited thin file. Silverado CC 38325, 4505 rebate, 2562 discount, and 8500 for trade, 3700 owed on trade. First new vehicle!!!

#344 jeff1964

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Posted 18 October 2011 - 02:13 PM

APPROVING BANK - Hyundai Motor Corp
BUREAU PULLED- Eq, Tu, Ex - also 2 extra inq's on eq to other lenders..one was Wells Fargo
CREDIT SCORE- Mine 626,657,669 Wife- 621,606, 618
CUSTOMER STATE OF RESIDENCE - NC
NEW/USED - New
YEAR OF VEHICLE - 2011 Sante Fe
MILEAGE - 6826
RETAIL/LEASE - Retail
AMOUNT OF LOAN - 28,675
ADVANCE PERCENTAGE - ??
TERM CONTRACTED - 72 mos
APR/LEASE RATE - 8.99%
MONTHLY PAYMENT - $511.08
MISCELLANEOUS COMMENTARY: Traded a 2006 Sonata bought from a buy here/pay here 16 mos ago. I had a previous 42 month paid out loan with one thirty day late and MY current loan is 6 months old with NO lates. DW had a Chase repo 2 years ago d/t a divorce and the balance was $0. Didn't seem to matter too much to Hyundai. We were about $3k upside down and dealer did an awesome job of helping us get out of that car with NO out of pocket money!!!! We are SO excited to FINALLY be with a national finance company after dealing with bh/ph for a few years. Our old rate on the Sonata was 18%!!!! Great experience and Hyundai dealer was FANTASTIC!!!!!!

Edited by jeff1964, 18 October 2011 - 02:18 PM.


#345 Dana09

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Posted 19 October 2011 - 08:17 PM

APPROVING BANK Jonestown Bank
BUREAU PULLED EX
CREDIT SCORE 648
CUSTOMER STATE OF RESIDENCE - PA
NEW/USED Used
YEAR OF VEHICLE 2011 Chevy Silverado
MILEAGE 12,000
RETAIL/LEASE - Retail
AMOUNT OF LOAN - 31K
ADVANCE PERCENTAGE - Not sure
TERM CONTRACTED - 75 mos
APR/LEASE RATE -10.95%
MONTHLY PAYMENT - $583.00
MISCELLANEOUS COMMENTARY: So happy we finally have a new vehicle! We had a Cap One Blank Check to use, but the rate was 14%. Dh has nothing negative on his CR, he just has a thin file. Last vehicle had perfect payment history for the past 2 yrs. Tried to get a better rate, but that was the best we could do for now. We'll try to refi in 6 mos. So excited about our purchase, the truck is awesome!!

Edited by MarvBear, 20 October 2011 - 06:32 PM.


#346 DadofThree

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Posted 23 October 2011 - 08:03 PM

APPROVING BANK NBT Bank
BUREAU PULLED EX
CREDIT SCORE 779
CUSTOMER STATE OF RESIDENCE NY
NEW/USED New
YEAR OF VEHICLE 2011 Nissan Titan
MILEAGE 28
RETAIL/LEASE - Retail
AMOUNT OF LOAN - 31K
ADVANCE PERCENTAGE - 100% No money down
TERM CONTRACTED - 72 mos
APR/LEASE RATE - 2.8%
MONTHLY PAYMENT - $470
MISCELLANEOUS COMMENTARY: First time ever buying a new vehicle. Thank you CB! :clapping:

Edited by DadofThree, 23 October 2011 - 08:06 PM.


#347 jeff1964

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Posted 26 October 2011 - 05:49 PM

APPROVING BANK GMAC/Americredit
BUREAU PULLED EQ
CREDIT SCORE 660
CUSTOMER STATE OF RESIDENCE NC
NEW/USED New
YEAR OF VEHICLE 2012
MILEAGE 15
RETAIL/LEASE Retail
AMOUNT OF LOAN $26013
ADVANCE PERCENTAGE 115%
TERM CONTRACTED 72
APR/LEASE RATE 13.99
MONTHLY PAYMENT $538.19
MISCELLANEOUS COMMENTARY: This was second Hyundai the DW and I bought in the last 2 weeks. We had several approvals at the time we did original app. She took the 8.99% for her new Sante Fe so I was left with the next best one. It sucks, but I got out of a 2006 Grand Prix I was upside down in $4600 and a 25% rate from local finance co. I plan on refinancing with Navy in a few months to help with the payment. LOVE the car though!!!!

Edited by jeff1964, 26 October 2011 - 05:51 PM.


#348 snoman23

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Posted 28 October 2011 - 01:34 AM

APPROVING BANK:TD Financial
BUREAU PULLED: TU,
CREDIT SCORE: 703
CUSTOMER STATE OF RESIDENCE: AK
NEW/USED: USED
YEAR OF VEHICLE 2008
MILEAGE 23000
RETAIL/LEASE RETAIL
AMOUNT OF LOAN: 15513.84
ADVANCE PERCENTAGE: N/A
TERM CONTRACTED: 72
APR/LEASE RATE: 3.49
MONTHLY PAYMENT: $215
MISCELLANEOUS COMMENTARY:

#349 ceb72

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Posted 31 October 2011 - 08:02 PM

APPROVING BANK:NFCU
BUREAU PULLED: I have no idea
CREDIT SCORE: I have no idea
CUSTOMER STATE OF RESIDENCE: NC
NEW/USED: NEW
YEAR OF VEHICLE 2012
MILEAGE N/A
RETAIL/LEASE RETAIL
AMOUNT OF LOAN: 25,000
ADVANCE PERCENTAGE: N/A
TERM CONTRACTED: 60
APR/LEASE RATE: 3.49 or 3.75?
MONTHLY PAYMENT: Not sure got blank check draft will update when I get the car.
MISCELLANEOUS COMMENTARY

#350 Chris Stone

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Posted 25 November 2011 - 10:33 PM

APPROVING BANK: ORNL Federal Credit Union (In Tennessee)
BUREAU PULLED: Equifax only
CREDIT SCORE: 650
CUSTOMER STATE OF RESIDENCE: Texas
NEW/USED: Used
YEAR OF VEHICLE: 2004
MILEAGE: 63K
RETAIL/LEASE: Sale
AMOUNT OF LOAN 12,755
ADVANCE PERCENTAGE
TERM CONTRACTED: 60 Months
APR/LEASE RATE: 6.79%
MONTHLY PAYMENT $251
MISCELLANEOUS COMMENTARY: Purchased a single $5 share and after a few months applied for an auto loan once my last CO fell off.They pull a single Hard Inquiry for opening an account and another for any loans. Very friendly and very fast. Got a check in the mail overnighted. :) Just provided W2s etc





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