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TODAY'S APPROVALS

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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:

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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

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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

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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

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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

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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.

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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 :(

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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.

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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!

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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

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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.

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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.

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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.

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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

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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.

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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.

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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.

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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!!!

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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

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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

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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

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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

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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:

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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

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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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