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TODAY'S APPROVALS


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504 replies to this topic

#376 nitrox

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Posted 03 March 2012 - 08:02 PM

APPROVING BANK: Toyota Motor Credit
BUREAU PULLED: Equifax
CREDIT SCORE: 715
CUSTOMER STATE OF RESIDENCE: IN
NEW/USED: New
YEAR OF VEHICLE: 2011
MILEAGE: 14
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: 33000 (27k car, -5k neg equity on trade, warranty on backend)
ADVANCE PERCENTAGE
TERM CONTRACTED: 84
APR/LEASE RATE: 5.9%
MONTHLY PAYMENT: 480.50
MISCELLANEOUS COMMENTARY: zero down on new Prius, bk in 2008



#377 nitrox

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Posted 03 March 2012 - 08:10 PM

APPROVING BANK: TD Auto Finance
BUREAU PULLED: Equifax
CREDIT SCORE: 715
CUSTOMER STATE OF RESIDENCE: IN
NEW/USED: New
YEAR OF VEHICLE: 2012
MILEAGE: 4
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: 19000
ADVANCE PERCENTAGE
TERM CONTRACTED: 72
APR/LEASE RATE: 5.15%
MONTHLY PAYMENT: 307
MISCELLANEOUS COMMENTARY: $500 down, bk in 2008, 2nd new car in a week. Originally denied, dealer finance rep escalated and got approval.


#378 Caiyenne

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Posted 07 March 2012 - 06:17 PM

APPROVING BANK: Alliant Credit Union
BUREAU PULLED: Equifax
CREDIT SCORE: 787
CUSTOMER STATE OF RESIDENCE: Pennsylvania
NEW/USED: New
YEAR OF VEHICLE: 2012
MILEAGE:
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN:: Asked for 22K ended up with 24K due to additional loan products
ADVANCE PERCENTAGE
TERM CONTRACTED 78 months
APR/LEASE RATE: 1.99%
MONTHLY PAYMENT: $328.59
MISCELLANEOUS COMMENTARY: 2012 Hyundai Tucson - total price was 22,419. Paid 419 down, Alliant is paying 22k to the deale. The additional cost of the loan is due to extended warranty and gap insurance.

Edited by Caiyenne, 07 March 2012 - 06:20 PM.


#379 hindsight is 20/20

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Posted 11 March 2012 - 08:07 PM

APPROVING BANK Max Federal Credit Union
BUREAU PULLED Equifax
CREDIT SCORE 682
CUSTOMER STATE OF RESIDENCE Alabama
NEW/USED Used
YEAR OF VEHICLE 2009
MILEAGE 21100
RETAIL/LEASE retail
AMOUNT OF LOAN 18835
ADVANCE PERCENTAGE ?
TERM CONTRACTED 60 months
APR/LEASE RATE 5.9
MONTHLY PAYMENT 364
MISCELLANEOUS COMMENTARY: Denied by American Honda. No cosigner required even though second open loan.

#380 edart243

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Posted 13 March 2012 - 10:39 AM

APPROVING BANK PSECU
BUREAU PULLED Experian
CREDIT SCORE 667
CUSTOMER STATE OF RESIDENCE Pa
NEW/USED Used
YEAR OF VEHICLE 2012
MILEAGE 8000
RETAIL/LEASE Retail
AMOUNT OF LOAN 23245.00
ADVANCE PERCENTAGE 130
TERM CONTRACTED 60
APR/LEASE RATE 2.49
MONTHLY PAYMENT 394.00
MISCELLANEOUS COMMENTARY:

#381 antonbhc

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Posted 13 March 2012 - 06:00 PM

APPROVING BANK Canandaigua National Bank
BUREAU PULLED Equifax
CREDIT SCORE 617
CUSTOMER STATE OF RESIDENCE New York
NEW/USED Used
YEAR OF VEHICLE 2010
MILEAGE 14000
RETAIL/LEASE retail
AMOUNT OF LOAN 53599
ADVANCE PERCENTAGE 90%
TERM CONTRACTED 72 months
APR/LEASE RATE 6.9
MONTHLY PAYMENT 914
MISCELLANEOUS COMMENTARY: Was very surprised to get this approval. Dealer pulled some strings. Traded in car that was upside down about 12K and put down 17K on the car. Went from Americredit's 20.99% to CNB's 6.99%. Stupid NOT to take the deal!

Edited by antonbhc, 13 March 2012 - 06:00 PM.


#382 DPDIY

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Posted 17 March 2012 - 06:46 PM

APPROVING BANK: Wells Fargo Dealer Services
BUREAU PULLED: TU
CREDIT SCORE: 702
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: New
YEAR OF VEHICLE: 2012 Nissan Sentra SL
MILEAGE: 10
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: 16327.
ADVANCE PERCENTAGE
TERM CONTRACTED: 72
APR/LEASE RATE: 6.99%
MONTHLY PAYMENT: $281.94
MISCELLANEOUS COMMENTARY: $4400 Trade in (2003 Explorer Sport Trac XLT 120K Miles) $1000 Cash. BK in 2/2010
Second new car purchase in a month.

Edited by MarvBear, 17 March 2012 - 07:01 PM.


#383 prindia

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Posted 17 March 2012 - 10:45 PM

APPROVING BANK Capital One.
BUREAU PULLED ALL
CREDIT SCORE 538
CUSTOMER STATE OF RESIDENCE GA
NEW/USED NEW
YEAR OF VEHICLE 2012
MILEAGE 100
RETAIL/LEASE Retail
AMOUNT OF LOAN 20014.30
ADVANCE PERCENTAGE
TERM CONTRACTED 72 months
APR/LEASE RATE 12.34
MONTHLY PAYMENT 396.83
MISCELLANEOUS COMMENTARY: I was just discharged two days ago. I wasn't going to get a car loan so quick but my son totaled my car and I needed a good reliable car to get to work I plan to refi in about 6 months with a lower rate. But I was surprised with the rate I got after discharge.


#384 GoUpScore

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Posted 02 April 2012 - 03:03 AM

APPROVING BANK Ally.
BUREAU PULLED TU
CREDIT SCORE 583 USAA TU FAKO
CUSTOMER STATE OF RESIDENCE NH
NEW/USED USED
YEAR OF VEHICLE 2007
MILEAGE 60K
RETAIL/LEASE Retail
AMOUNT OF LOAN 23k includes extended warranty & GAP insurance
ADVANCE PERCENTAGE
TERM CONTRACTED 60 months
APR/LEASE RATE 13.36
MONTHLY PAYMENT 553
MISCELLANEOUS COMMENTARY: Hoping to refinance in 6 months or so once I get a few more things cleaned up on my CR, but I was in the position where I HAD to buy a car as my 3 small children didn't fit in my 2-door Mercedes. Went to another dealer with the Cap1 preapproval letter and deal they were trying to force me to agree to couldn't have been worse - 5k over book value; basically NOTHING for my trade since the pricing was so inflated. It was a power struggle just to get them to share the numbers. Dealers like this make the car buying experience very miserable. Went down the street and got $2500 towards the vehicle from my trade; just the poor interest rate jacked up the pmt, which I can live with since I realize that is the result of my poor credit. Best part, no pressure at all. Much better overall experience.

Ended up with a Suburban. Plenty of room for the family. Thankfully, we have another car that will be used for everyday commuting & this one will be reserved for family outings.

Edited by GoUpScore, 02 April 2012 - 03:31 AM.


#385 barneynshorty

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Posted 14 April 2012 - 09:53 PM

[APPROVING BANK Ally.
BUREAU PULLED TU EQ
CREDIT SCORE 580 TU 640 EQ
CUSTOMER STATE OF RESIDENCE NC
NEW/USED USED
YEAR OF VEHICLE 2008
MILEAGE 50K
RETAIL/LEASE Retail
AMOUNT OF LOAN 23k includes extended warranty & GAP insurance
ADVANCE PERCENTAGE
TERM CONTRACTED 72 months
APR/LEASE RATE 9.99
MONTHLY PAYMENT
MISCELLANEOUS COMMENTARY: $2k down, no trade in BK discharged 8/10

#386 RAguy

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Posted 15 April 2012 - 12:55 PM

[APPROVING BANK Wells Fargo Dealer Services
BUREAU PULLED TU
CREDIT SCORE 670
CUSTOMER STATE OF RESIDENCE CA
NEW/USED New
YEAR OF VEHICLE 2011
MILEAGE 16
RETAIL/LEASE Retail
AMOUNT OF LOAN 28357.68
ADVANCE PERCENTAGE
TERM CONTRACTED 72 Months
APR/LEASE RATE 8.9
MONTHLY PAYMENT 509
MISCELLANEOUS COMMENTARY: BK 7 Discharged 9/10.

Edited by RAguy, 15 April 2012 - 12:58 PM.


#387 MylesGirl

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Posted 04 May 2012 - 07:45 PM

APPROVING BANK Capital One (Blank Check)
BUREAU PULLED Equifax
CREDIT SCORE 564
CUSTOMER STATE OF RESIDENCE Texas
NEW/USED Used
YEAR OF VEHICLE 2011
MILEAGE 16,000
RETAIL/LEASE Retail
AMOUNT OF LOAN $19,200
TERM CONTRACTED 60 mo.
APR/LEASE RATE 11.87%
MONTHLY PAYMENT $425
MISCELLANEOUS COMMENTARY: $2000 down and $2000 for trade, plus the dealer paid off the remaining balance ($650) on the old car. Low credit score due to being in debt settlement and a tax lien.

#388 syncracirca

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Posted 11 May 2012 - 07:11 AM

APPROVING BANK USAA
BUREAU PULLED Equifax
CREDIT SCORE 683 (FAKO)
CUSTOMER STATE OF RESIDENCE Indiana
NEW/USED NEW
YEAR OF VEHICLE 2013
MILEAGE 10
RETAIL/LEASE retail
AMOUNT OF LOAN $22,000
ADVANCE PERCENTAGE
TERM CONTRACTED 60 months
APR/LEASE RATE 4.09%
MONTHLY PAYMENT $369.50
MISCELLANEOUS COMMENTARY:2013 Kia Sorento with $6500 down and trading in a 2002 Dodge Intrepid, paid for USAA gap insurance

Edited by syncracirca, 11 May 2012 - 07:12 AM.


#389 alexandrite_june

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Posted 15 May 2012 - 08:22 AM

APPROVING BANK: Tinker Federal Credit Union
BUREAU PULLED: Transunion
CREDIT SCORE: 697
CUSTOMER STATE OF RESIDENCE: OK
NEW/USED: New
YEAR OF VEHICLE: 2012
MILEAGE: 15
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: $16,671.93
ADVANCE PERCENTAGE
TERM CONTRACTED: 84
APR/LEASE RATE: 4.5%
MONTHLY PAYMENT: $267.50
MISCELLANEOUS COMMENTARY:
2012 Buick Verano. 7k down with $750 USAA member discount. Also had 4 paid charges offs. Only active credit was a secured cc with USAA and I did not need a co signer. Thank you Jesus!

Edited by alexandrite_june, 15 May 2012 - 08:24 AM.


#390 jeff6898

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Posted 23 May 2012 - 03:55 PM

APPROVING BANK: Capital one
BUREAU PULLED: Equifax
CREDIT SCORE: 503
CUSTOMER STATE OF RESIDENCE: FL
NEW/USED: Used
YEAR OF VEHICLE: 2010
MILEAGE: 45,000
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: $18,895
ADVANCE PERCENTAGE
TERM CONTRACTED: 72
APR/LEASE RATE: 14.6
MONTHLY PAYMENT: $397
MISCELLANEOUS COMMENTARY: This was with a recent car repo and 1 day chapter 7 discharge $500 down

#391 Tarquinn

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Posted 30 May 2012 - 03:46 PM

APPROVING BANK Ally
BUREAU PULLED EQ
CREDIT SCORE 602
CUSTOMER STATE OF RESIDENCE NC
NEW/USED New
YEAR OF VEHICLE 2011
MILEAGE 1700
RETAIL/LEASE Retail
AMOUNT OF LOAN 15000
ADVANCE PERCENTAGE 42%
TERM CONTRACTED 36 Months
APR/LEASE RATE 6.99%
MONTHLY PAYMENT $464
MISCELLANEOUS COMMENTARY: Sticker was $36k, with rebates, trade and incentives I paid $20k before $5k downpayment. Process was painless and Ally approved even though I had a crappy 602 score.

Edited by Tarquinn, 30 May 2012 - 03:51 PM.


#392 wandjust

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Posted 13 June 2012 - 12:48 AM

APPROVING BANK Prestige Financial
BUREAU PULLED Transunion
CREDIT SCORE 566
CUSTOMER STATE OF RESIDENCE Colorado
NEW/USED Used
YEAR OF VEHICLE 2007
MILEAGE 63000
RETAIL/LEASE Retail
AMOUNT OF LOAN $22000 (including extended warranty for 3 yrs)
ADVANCE PERCENTAGE
TERM CONTRACTED 72
APR/LEASE RATE 17.9
MONTHLY PAYMENT $512
MISCELLANEOUS COMMENTARY: Bk discharged a month ago, have only been employed 2 weeks. High interest rate, but didn’t have to put any money down, and was surprised anyone would finance me in this condition.

#393 markca

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Posted 04 July 2012 - 12:43 PM

APPROVING BANK PenFed
BUREAU PULLED None for the loan; dealer did a TU pull as a 'backup' since they had never seen a Penfed approval check before and was wary of it even being legit
CREDIT SCORE 770
CUSTOMER STATE OF RESIDENCE California
NEW/USED USED
YEAR OF VEHICLE 2011
MILEAGE 41000
RETAIL/LEASE Retail
AMOUNT OF LOAN 13,500
ADVANCE PERCENTAGE
TERM CONTRACTED 60 months
APR/LEASE RATE 1.99%
MONTHLY PAYMENT $241
MISCELLANEOUS COMMENTARY: Traded in old car and got $300 for it (yes it was that bad).j I used my Penfed check that they sent me to use at a dealer (up to $50,000). The dealer had never seen a check or offer just show up in the mail like that so it look a little longer to get everything squared away. Once we did though it was all smooth sailing.

Edited by markca, 04 July 2012 - 12:45 PM.


#394 em072205

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Posted 25 July 2012 - 09:59 PM

APPROVING BANK: US Bank
BUREAU PULLED: All Three
CREDIT SCORE: 593 615 and 620--Transunion my lowest
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: This was a refinance
YEAR OF VEHICLE: 2011 Nissan Sentra
MILEAGE: 23000
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 8600
ADVANCE PERCENTAGE: 71%
TERM CONTRACTED: 60
APR/LEASE RATE: 10.5
MONTHLY PAYMENT: 188
MISCELLANEOUS COMMENTARY: Was originally financed with Wells Fargo Dealer Services for extremely high interest rate (17%). I paid on time for a year and few months. Then, I worked with another loan company that helped me get refinanced with my own bank--they went to bat for me. I could not be happier with the rate and the payment! I will still make the same payment I made before but now more of my money will go towards the principle on my car loan! :yahoo:

Edited by MarvBear, 26 July 2012 - 07:39 PM.


#395 jlplummer

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Posted 26 July 2012 - 04:51 AM

APPROVING BANK Toyota Financial
BUREAU PULLEDTransunion and Experian
CREDIT SCORE 703 704
CUSTOMER STATE OF RESIDENCE NY
NEW/USEDNew
YEAR OF VEHICLE2012
MILEAGE 2
RETAIL/LEASE Retail
AMOUNT OF LOAN 32000
ADVANCE PERCENTAGE
TERM CONTRACTED 60 months
APR/LEASE RATE 0.0%
MONTHLY PAYMENT 549
MISCELLANEOUS COMMENTARY: Chapter 7 BK filed 11/06 discharged 11/07 Home Foreclosed jun 07. Been actively rebuilding credit. Outstanding debt: house 56,000, 1st car 11 payments left of 379, CC utilization 20%.

#396 Fatmancruisng

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Posted 27 July 2012 - 08:24 PM

APPROVING BANK:USAA

BUREAU PULLED:Equifax

CREDIT SCORE:647

CUSTOMER STATE OF RESIDENCE:MD


NEW/USED:New

YEAR OF VEHICLE:2013

MILEAGE:44

RETAIL/LEASE:RETAIL

AMOUNT OF LOAN:19,000

ADVANCE PERCENTAGE

TERM CONTRACTED:60

APR/LEASE RATE:6.5

MONTHLY PAYMENT:

372.30


MISCELLANEOUS COMMENTARY: BK in 2007

Edited by MarvBear, 27 July 2012 - 08:35 PM.


#397 OhHeckNo

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Posted 07 August 2012 - 08:12 AM

APPROVING BANK: AmeriCredit
BUREAU PULLED: TU
CREDIT SCORE: 538 Auto Beacon
CUSTOMER STATE OF RESIDENCE: AR
NEW/USED: New
YEAR OF VEHICLE: 2012
MILEAGE: 340
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: 16,500 (about)
ADVANCE PERCENTAGE
TERM CONTRACTED: 72
APR/LEASE RATE: 10.70%
MONTHLY PAYMENT: 311
MISCELLANEOUS COMMENTARY: Zero down on 2012 Honda Civic LX, did buy the wrap to get 7 years/100k warranty for a little less than $1500. Dealer paid half of the sales tax and gave me $5k on my trade (a 2004 Honda Accord EX-L with 90k miles, but with some significant body damage and repairs needed to the interior, well over the $2750 that Autotrader appraised it at, and the online Black Book calculators wouldn't even try.) So while not much came off of sticker price, in the end I don't think I was ripped off at all. No GAP needed since at no point during the loan will I be upside-down. Cap1 wanted to take it at a higher interest rate with $500 cash down. Payment is now $30 more than my old payment was, and even with Americredit being a subprime lender (which may look bad later on my credit reports) I'll take the lower interest, thank you very much ;) Would have tried to do a 60-month but I'll just try to pay extra as I can.

Also of interest: My credit reports were still showing I had an open car loan on my trade -- I'd just paid it off and had letters from the bank saying so. Scores may change significantly after car loan shows paid off and new loan shows up. Revolving accounts almost all chargeoffs, but perfect installment history, perfect payment history on my previous car note per the bank letter, and six years at the same job.

Edited by OhHeckNo, 07 August 2012 - 08:15 AM.


#398 1nce on top

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Posted 17 August 2012 - 02:10 PM


APPROVING BANK Chase
BUREAU PULLED EQ.
CREDIT SCORE 645EQauto enhanced 606 eq. beacon 5.0, TU 634 Myfico, 602 TU creditkarma
CUSTOMER STATE OF RESIDENCE West coast
NEW/USED New
YEAR OF VEHICLE 2012
MILEAGE 25
RETAIL/LEASE Retail
AMOUNT OF LOAN 43,000 and change plus $2500 down
ADVANCE PERCENTAGE 100%
TERM CONTRACTED 72 mo.
APR/LEASE RATE 6.20%
MONTHLY PAYMENT $721.15
MISCELLANEOUS COMMENTARY: first dealer got chase approval for 6.94 they say, second dealer got approval for 6.20 required POI at second dealer , shooting for 84 mo. loan so not going to take deal. flawless auto loan history baddies from 2010 some c/o's all other paid as agreed or settled. Both dealers claim they climed the decision ladder, second dealer said they were working with vp of division. As far as chase blacklisting I assure you i should be on it....

#399 djrez4

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Posted 20 August 2012 - 10:53 PM

Round two:
APPROVING BANK Chase
BUREAU PULLED TU
CREDIT SCORE 743 TU FAKO
CUSTOMER STATE OF RESIDENCE CO
NEW/USED Used
YEAR OF VEHICLE 2009
MILEAGE 43000
RETAIL/LEASE Retail
AMOUNT OF LOAN $21,000 $5000 down
ADVANCE PERCENTAGE
TERM CONTRACTED 60 mo.
APR/LEASE RATE 3.66%
MONTHLY PAYMENT $383.53
MISCELLANEOUS COMMENTARY: First approval - APR based on the age of the vehicle. Still waiting on a PenFed recon and not satisfied with the final price of the vehicle quite yet. Another $435 off at least. More would be better, of course.


Feel free to delete that giant screwup of a previous post.

#400 Pheenomz

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Posted 21 August 2012 - 08:14 AM

APPROVING BANK VW Credit
BUREAU PULLED TU
CREDIT SCORE 724
CUSTOMER STATE OF RESIDENCE FL
NEW/USED New
YEAR OF VEHICLE 2 2012's
MILEAGE 0
RETAIL/LEASE Retail
AMOUNT OF LOAN $22050
ADVANCE PERCENTAGE
TERM CONTRACTED 60 mo.
APR/LEASE RATE 0%
MONTHLY PAYMENT $322
MISCELLANEOUS COMMENTARY: I've had horrendous credit since college. I slowly built it up using the advice on these boards to buy a house two years ago. I then focused on getting my credit as high as possible. I traded in two cars (for me and my wife) that had interest rates above 10% and a huge payment. Decided to take advantage for the first time in my life of a great deal while having good credit and got two amazing deals on cars. The deal was so nice I bought two with similar payments!




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