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  1. APPROVING BANK- Chrysler Capital (Santander Consumer USA) BUREAU PULLED Equifax CREDIT SCORE 542 CUSTOMER STATE OF RESIDENCE PA NEW/USED NEW YEAR OF VEHICLE- 2014 MILEAGE- 9 RETAIL/LEASE- Retail AMOUNT OF LOAN $29400 ADVANCE PERCENTAGE 115% TERM CONTRACTED 72 Months APR/LEASE RATE- 14.09% MONTHLY PAYMENT- $607.50 MISCELLANEOUS COMMENTARY: 2014 Dodge Grand Caravan SXT. Chrysler Capital is the only finance company that would touch me. Traded a 2010 Sebring financed through Chrysler Capital with 0 lates. Was about $3000 upside down, needed a larger vehicle ASAP. Put $1000 down, very satisfied with new vehicle. I have had ZERO problems with Chrysler Capital/ Santander.
  2. I have a car financed with Chrysler Capital. I bought the car ONE day out of Chapter 7 Bankruptcy. I put $1500 down and have an interest rate of 21%. I have my account on Auto Pay and 3 Payments have been made on time. The balance has gone UP since I bought the car. They have not applied a single penny to principle. I have contacted them and got the run around by someone who didn't know a thing about Auto Loans. Chrysler Capital/ Santander Consumer USA gave me a chance when nobody else would, but is this normal?
  3. APPROVING BANK: Chrysler Capital BUREAU PULLED: Trans Union CREDIT SCORE: 409 CUSTOMER STATE OF RESIDENCE:PA NEW/USED:USED YEAR OF VEHICLE:2010 MILEAGE:31950 RETAIL/LEASE: Retail AMOUNT OF LOAN: $11980 ADVANCE PERCENTAGE: 90% TERM CONTRACTED: 72 Months APR/LEASE RATE: 21% MONTHLY PAYMENT: $293.66 MISCELLANEOUS COMMENTARY: 20 Years Old, Chapter 7 Bankruptcy, three collections. Put $1500 down and got a 2010 Chrysler Sebring Limited. Chrysler Capital didn't even ask for POI.
  4. Thanks Marv, I got approved yesterday through Capital One Auto Finance for $25000 at 15.75%. My newly joined Credit Union said after 6 months of timely payments that they could probably cut my rate in half.
  5. No you are not missing anything. I paid off a car on my own and my next vehicle was totaled and GAP paid the loan off. The bankruptcy is due to personal circumstances that I don't want to make public.
  6. I am flexible on what vehicle to buy. What Captive Lenders are BK friendly? I have heard that NMAC is very BK friendly, I took Ally down in bankruptcy (would never do business with them again anyway.) Is Chrysler Capital BK friendly? Thanks
  7. Your Age? 20 Your Equifax Credit Score? 590 Your Experian Credit Score? 570 Your TransUnion Credit Score?610 How many years have you been on file with Equifax? 2 How many years have you been on file with Experian? 2 How many years have you been on file with TransUnion? 2 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? N Will this open auto loan be a trade-in? N How many late pays within the last 12 months on the currently open loan? 0 How many late pays within the last 13-24 months on the currently open loan? 0 Your current open auto loan is financed with? Your current open auto loan payment is? Estimated amount you may be upside down in this vehicle? 0 Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 2 Total percentage utilized overall? 15 How many of your revolving accounts are store cards? 1 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 1 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0 YOUR PERSONAL INFORMATION How long at your current residence? 18 Years Do you Rent or have a Mortgage, or Live w/Relative or Other? Live w Relative Your Monthly Rent or Mortgage payment? $0 How long have you held your current job? 1 Year Your total provable monthly gross income is? 2700 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Paystub and or/ tax returns Is there additional monthly income? What amount monthly? N/A Describe the source. N/A Is the additional monthly income provable? N/A Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $1500 Does any credit repository contain any Public Record? Y If yes, please very briefly describe. Chapter 7 Bankruptcy Does any credit repository contain any Collection Account(s)? N ) Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 6 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 10 Have 2 Auto Loans PIF Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 7 New or Used vehicle you are considering: Please very briefly describe. Used 2012 Dodge Journey $18500 amound financed.
  8. APPROVING BANK Santander Consumer USA BUREAU PULLED Trans Union CREDIT SCORE 502 CUSTOMER STATE OF RESIDENCE PA NEW/USED Used YEAR OF VEHICLE 2006 MILEAGE 99800 RETAIL/LEASE Retail AMOUNT OF LOAN 14500 TERM CONTRACTED 36 APR/LEASE RATE 12.95% MONTHLY PAYMENT $435.70 MISCELLANEOUS COMMENTARY: 19 Years old with 1 year of Credit History,and Discharged Chapter 7 Bankruptcy. Horrible score due to Bankruptcy and Job Loss. Put no money down and got a 2006 Chrysler Pacifica Touring AWD. So far I'm very happy with Santander.
  9. I am quite curious on the best route to take when financing another car. I had to file chapter 7 bankruptcy after an unexpected job loss, my 2010 Dodge Journey was repossessed as a result of that action. I am about to recieve discharge and my score from transunion is a terrble 480. I took a very large Credit Union and Ally Auto Fianance down in the bankruptcy, so I know Ally is out of the question. I found a vehicle I really like (2011 Chevrolet Equinox 2LT AWD with almost every option.) The Finance Manager in the office said Santander and Capital One might be my best option, but in the same sentence he said that Ally would almost certainly approve that loan. After that statement I seriously doubt his judgement. I have $3000 to put down and the vehicle is $21000.

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