Scarlett Jo

Maybe you can just delete it and I can try again.

APPROVING BANK: Wells Fargo BUREAU PULLED: [/color]Not sure but dealer pulled all three. CREDIT SCORE: Ranging from 515-540 (after doing my own shopping around for a while -- scores last week were higher 500s) CUSTOMER STATE OF RESIDENCE: OH NEW/USED: [/color]NEW YEAR OF VEHICLE: 2012 MILEAGE: 12 RETAIL/LEASE: Retail AMOUNT OF LOAN: $19,990 ADVANCE PERCENTAGE: TERM CONTRACTED: 66 Mos. APR/LEASE RATE: 14.99 (I know, I know) MONTHLY PAYMENT: 440

I went in yesterday to get my new car. I knew I would not do any kind of yo-yo financing. They had me sign a conditional agreement, but the F&I manager made sure to tell me (before I asked) that everything was finalized and it didn't really matter. I was worried so he turned the screen around and showed me Wells Fargo with the rate and payments, etc. Is it standard to still have to sign this form? What is the purpose? Thank you!

I didn't quite get it, but I Googled to better understand. Thanks!

I am a definite newbie, but is there any way that you can sell something or get a loan, pay it off with another card...anything? I'm sure they will find out who has been paying the bills. I think you'll get into a lot of trouble so try your hardest to pay it off and then close the account! I'm sorry you're having to deal with it. I'm sure your intentions were good in the beginning.

Thank you! I read about indirect lenders in the doc you have, but I'm still not sure I understand. Does the car lot have to approve me as well?

Hi everyone, I wondered if anyone had experience with Ally Financial? I applied online and received a pre-approval. Of course they said that I should work out the APR with the dealer that I selected. I will provide proof or residence and income verification. Will they need to pull my credit again? Has anyone ever had a pre-approval fall through? I've never purchased a new car, so I'm not sure how this works. After I select the car and I sit down with the finance guy, what happens? Thanks for any information you can give me!

Wow! How did you manage that one?