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TODAY'S APPROVALS

The last post in this topic was posted 762 days ago. 

 

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APPROVING BANK Wells Fargo Dealer Services
BUREAU PULLED
Not Sure
CREDIT SCORE Eq- 637 Exper -637
CUSTOMER STATE OF RESIDENCE MD
NEW/USED USED
YEAR OF VEHICLE 2011
MILEAGE 28,000
RETAIL/LEASE Retail
AMOUNT OF LOAN 16789
ADVANCE PERCENTAGE
TERM CONTRACTED 72
APR/LEASE RATE 8.38%
MONTHLY PAYMENT 298.54
MISCELLANEOUS COMMENTARY:

I was originally approved through Capital One Auto but the dealership was able to get me a better deal through Wells Fargo.

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APPROVING BANK Capital One
BUREAU PULLED TU & EQ
CREDIT SCORE 643 Auto Enhanced
CUSTOMER STATE OF RESIDENCE PA
NEW/USED New
YEAR OF VEHICLE 2015
MILEAGE 22
RETAIL/LEASE Retail
AMOUNT OF LOAN 23,894.00
ADVANCE PERCENTAGE 100%
TERM CONTRACTED 72 months
APR/LEASE RATE 4.9
MONTHLY PAYMENT $384.93
MISCELLANEOUS COMMENTARY

6 months out of chapter 7 bk. Util. 10%. I WILL NEVER COMPLAIN ABOUT CAPITAL ONE they have been very good to me.

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APPROVING BANK NFCU
BUREAU PULLED waiting for letter would not give info on phone
Myfico.com EQ 627 EX 660 TU 650
CREDIT SCORE
CUSTOMER STATE OF RESIDENCE LA
NEW/USED rate for new purchase
YEAR OF VEHICLE 2014 or 2015
MILEAGE 0
RETAIL/LEASE retail
AMOUNT OF LOAN 41k
ADVANCE PERCENTAGE unknown
TERM CONTRACTED 60
APR/LEASE RATE 2.79
MONTHLY PAYMENT est 736
MISCELLANEOUS COMMENTARY: pre approval asked for 41k got 41k will be trading positive equity vehicle ~7-10 and DP min 3k. 95k income. Declined original app with co applicant called in for recon

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APPROVING BANK Genisys Credit Union
BUREAU PULLED TU
CREDIT SCORE 695
CUSTOMER STATE OF RESIDENCE MI
NEW/USED Used
YEAR OF VEHICLE 2013
MILEAGE 7200
RETAIL/LEASE Retail
AMOUNT OF LOAN 21,508.04
ADVANCE PERCENTAGE Don't know
TERM CONTRACTED 72 months
APR/LEASE RATE 1.99%
MONTHLY PAYMENT $320
MISCELLANEOUS COMMENTARY

They told me that my trade-in plus down payment had to equal 10% of the purchase price. They told me my credit score, but I just realized they never told me my husband's score. I've been with the CU for 14 years and had a previous auto loan with them with no lates.

Edited by MarvBear

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APPROVING BANK Gateway One Lending and Finance
BUREAU PULLED EQ
CREDIT SCORE 615
CUSTOMER STATE OF RESIDENCE Illinois
NEW/USED Used
YEAR OF VEHICLE 2010
MILEAGE 30,000
RETAIL/LEASE Retail
AMOUNT OF LOAN 24274
ADVANCE PERCENTAGE
TERM CONTRACTED 72
APR/LEASE RATE 8.99
MONTHLY PAYMENT 439.06
MISCELLANEOUS COMMENTARY:

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APPROVING BANK Ally
BUREAU PULLED TU
CREDIT SCORE 652
CUSTOMER STATE OF RESIDENCE Illinois
NEW/USED NEW
YEAR OF VEHICLE 2015
MILEAGE 10
RETAIL/LEASE Retail
AMOUNT OF LOAN 23986.24
ADVANCE PERCENTAGE
TERM CONTRACTED 72
APR/LEASE RATE 7.74
MONTHLY PAYMENT 418
MISCELLANEOUS COMMENTARY: Originally approve by Capone financing 12%-19.3%. We traded in a car was upside down. Dealer paid the car off. We had a gang load of discounts and incentives.

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APPROVING BANK Gateway One
BUREAU PULLED EQ
CREDIT SCORE EQ 599 EX 628 TU 618
CUSTOMER STATE OF RESIDENCE TX
NEW/USED USED Jeep Grand Cherokee
YEAR OF VEHICLE 2012
MILEAGE 57k
RETAIL/LEASE Retail
AMOUNT OF LOAN 23858
ADVANCE PERCENTAGE 100%
TERM CONTRACTED 72
APR/LEASE RATE 11.49
MONTHLY PAYMENT 461
MISCELLANEOUS COMMENTARY: We traded in a 2013 Hyundai Sonata, 4K upside down. We put down 2K and they took an additional 2K off the Jeep to get us to 100% LTV. It comes with a 60 day warranty - so that is nice. Scores are low due to a repo from 2010 (cosigned) that is showing as charged off and closed as of 08/2014. I have 6 perfect car loans in the past however.

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APPROVING BANK: Ally Financial
BUREAU PULLED: TU
CREDIT SCORE: 651 (Auto-Enhanced)
CUSTOMER STATE OF RESIDENCE: MA
NEW/USED: Used
YEAR OF VEHICLE: 2012
MILEAGE: 23,310
RETAIL/LEASE: Retail
AMOUNT OF LOAN: ~$19,500 ($20,898 + TTL/Doc. - $3000 DP+Trade)
ADVANCE PERCENTAGE:
TERM CONTRACTED: 72
APR/LEASE RATE: 8.29
MONTHLY PAYMENT: $346
MISCELLANEOUS COMMENTARY: 2012 CPO Jeep Wrangler. Was able to secure this loan & rate just 3 days after my chapter 13 discharge. 8% is not the greatest, but all things considered, I was pleasantly surprised to get this rate.

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APPROVING BANK: InTouch Credit Union

BUREAU PULLED: TU
CREDIT SCORE: 801
CUSTOMER STATE OF RESIDENCE: TX
NEW/USED: Used
YEAR OF VEHICLE: 2014
MAKE: Mercedes Benz
MODEL: SLK 250
MILEAGE: 5k
RETAIL/LEASE: Retail $39,400.00
AMOUNT OF LOAN: S41,770.00
TERM CONTRACTED: 72 mos
APR/LEASE RATE: 1.99
MONTHLY PAYMENT: 619 with Gap
ANNUAL INCOME: 160,000
DEBT TO INCOME RATIO: 30% with Mortgage
MISCELLANEOUS COMMENTARY:Fast process walked in one day received approval letter, went to dealer and worked out deal, traded in 2012 SLK (had equity) provided letter with instructions, e-signed at the dealer ship, drafting instructions provided...off and running

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APPROVING BANK: Chrysler Capital
BUREAU PULLED: TU and EQ
CREDIT SCORE: 764 & 660.
CUSTOMER STATE OF RESIDENCE: MN
NEW/USED: New
YEAR OF VEHICLE: 2015
MAKE: Chrysler
MODEL: 300
MILEAGE: maybe about 300 ( it's being driven from another dealer through Dealer Trade
RETAIL/LEASE: Lease $43000
AMOUNT OF LOAN: $18,900
TERM CONTRACTED: 36 mos
APR/LEASE RATE: 1.67
MONTHLY PAYMENT: 525 with Gap and 1480 from my older car lease payments.
ANNUAL INCOME: 115000
DEBT TO INCOME RATIO: 30%
MISCELLANEOUS COMMENTARY: Chrysler base Money Factor is .00026 that is equal to .67%. But I was offered .00068 equal to 1.67%. I don't know if it was because of my lower EQ score that they didn't give me their top tier number.

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APPROVING BANK: Honda Finance
BUREAU PULLED: TU
CREDIT SCORE: 670
CUSTOMER STATE OF RESIDENCE: OH
NEW/USED: New
YEAR OF VEHICLE: 2015
MAKE: Honda
MODEL: Accord EX coupe
MILEAGE: 2
RETAIL/LEASE: Lease
AMOUNT OF LOAN: $30000
TERM CONTRACTED: 36 mos
APR/LEASE RATE: .00041 money factor (0.9 percent)
MONTHLY PAYMENT: $485
ANNUAL INCOME: $47000
DEBT TO INCOME RATIO: 30%
MISCELLANEOUS COMMENTARY: I rolled about $8000 of negative equity into this lease, not the best idea I know but I wanted to get out of the 84 month loan I was in. My plan when the lease is up is to just buy a cash car and go awhile without a car payment.

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APPROVING BANK: Mercedes Benz Financial Services
BUREAU PULLED: Transunion
CREDIT SCORE: 725
CUSTOMER STATE OF RESIDENCE: Georgia
NEW/USED: New
YEAR OF VEHICLE: 2015
MILEAGE: 81
RETAIL/LEASE: Lease
AMOUNT OF LOAN: 50,122
ADVANCE PERCENTAGE: 2.99
TERM CONTRACTED: 36 Month Lease
APR/LEASE RATE: 2.99
MONTHLY PAYMENT: $701.00
MISCELLANEOUS COMMENTARY: Paid $3000 down and leased a loaded 2015 C300.

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APPROVING BANK: Navy Federal Credit Uniom
BUREAU PULLED: Equifax
CREDIT SCORE: 680
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: New Toyota Sienna XLE
YEAR OF VEHICLE 2015
MILEAGE 8
RETAIL/LEASE: 100% Financing
AMOUNT OF LOAN: $36,999 OTD including Gap Insurance and 5 years service.
ADVANCE PERCENTAGE
TERM CONTRACTED: 72 Months
APR/LEASE RATE: 2.99%
MONTHLY PAYMENT: $562
MISCELLANEOUS COMMENTARY:

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APPROVING BANK: DCU
BUREAU PULLED: EQ
CREDIT SCORE: 702
CUSTOMER STATE OF RESIDENCE: ME
NEW/USED: Used
YEAR OF VEHICLE: 2009
MILEAGE: 95,000
RETAIL/LEASE: Private retail
AMOUNT OF LOAN: $19.5
ADVANCE PERCENTAGE:
TERM CONTRACTED: 65 months
APR/LEASE RATE: 1.9%
MONTHLY PAYMENT
MISCELLANEOUS COMMENTARY: 2009 Tacoma TRD Sport Double Cab LB.

Edited by MarvBear

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APPROVING BANK Apple FCU
BUREAU PULLED TU
CREDIT SCORE 697 Auto Enhanced
CUSTOMER STATE OF RESIDENCE DC
NEW/USED Used
YEAR OF VEHICLE 2013
MILEAGE 22
RETAIL/LEASE Retail
AMOUNT OF LOAN 50,000
ADVANCE PERCENTAGE ??
TERM CONTRACTED 84 months
APR/LEASE RATE 2.9
MONTHLY PAYMENT $684
MISCELLANEOUS COMMENTARY

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APPROVING BANK: Harris Bank
BUREAU PULLED: TransUnion
CREDIT SCORE: 777-Trans
CUSTOMER STATE OF RESIDENCE: Texas
NEW/USED: New
YEAR OF VEHICLE: 2015
MILEAGE: 4
RETAIL/LEASE: Retail
AMOUNT OF LOAN: Prin+Int+Fees+GAP+Extended Warranty Total $60,000
ADVANCE PERCENTAGE:100
TERM CONTRACTED: 72
APR/LEASE RATE: 3.09
MONTHLY PAYMENT: $812
MISCELLANEOUS COMMENTARY: All for a Black GMC Sierra 1500 Denali Finally got the truck I have wanted for a while now. I did not trade in my other truck or put any money down.

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APPROVING BANK - Kemba Financial Credit Union
BUREAU PULLED - TransUnion
CREDIT SCORE - 796
CUSTOMER STATE OF RESIDENCE - Ohio
NEW/USED - Used
YEAR OF VEHICLE - 2008
MILEAGE - 127,000
RETAIL/LEASE - Retail
AMOUNT OF LOAN - $11,375.00
ADVANCE PERCENTAGE
TERM CONTRACTED - 60 months
APR/LEASE RATE - 3.8%
MONTHLY PAYMENT - $232
MISCELLANEOUS COMMENTARY: Chrysler Aspen with the HEMI ;)

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APPROVING BANK: Road Loans
BUREAU PULLED EQ Fico 8 Auto
CREDIT SCORE 645
CUSTOMER STATE OF RESIDENCE IL
NEW/USED Used
YEAR OF VEHICLE
MILEAGE
RETAIL/LEASE Retail
AMOUNT OF LOAN $28,230
ADVANCE PERCENTAGE
TERM CONTRACTED 72
APR/LEASE RATE 15.20
MONTHLY PAYMENT $600
MISCELLANEOUS COMMENTARY: Initially I was declined because they pulled Experian and that along with TU are frozen. I called and asked to have them pull EQ after that I was instantly approved. Only thing they said they only deal with franchise dealers..so that prob was a waste of a pull..still waiting to hear back from wells fargo and NFCU..still trying to decide if I should try with Chase
Edited by kforde

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APPROVING BANK - Ally Bank
BUREAU PULLED - EQ Auto Score 8
CREDIT SCORE - 567
CUSTOMER STATE OF RESIDENCE - TN
NEW/USED - New
YEAR OF VEHICLE - 2015
MILEAGE - 10
RETAIL/LEASE - Retail
AMOUNT OF LOAN - $20,174
ADVANCE PERCENTAGE
TERM CONTRACTED - 72 months
APR/LEASE RATE - 10.29
MONTHLY PAYMENT - $378.19
MISCELLANEOUS COMMENTARY: Honda Civic LX Sedan - Given my low score, I was surprised at the APR. I had a previous auto loan with Ally that I kept in good standing, so that may be why they were willing to take a chance on me.

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APPROVING BANK: GECU
BUREAU PULLED: EQUIFAX
CREDIT SCORE: 644
CUSTOMER STATE OF RESIDENCE: TX
NEW/USED: USED (ALTHOUGH THE CREDIT UNION CONSIDERS 2014 A NEW CAR)
YEAR OF VEHICLE: 2014
MILEAGE: 22,435
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: $18,086
ADVANCE PERCENTAGE: ???
TERM CONTRACTED: 66 Months
APR/LEASE RATE: 7.25%
MONTHLY PAYMENT: $336
MISCELLANEOUS COMMENTARY: I bought a 2014 Chevrolet Cruze LTZ. I applied at two credit unions (TFCU and GECU) my own credit union, TFCU, wouldn't get me approved for more than 15,000 and GECU approved me for a 20,000 dollar loan (which is all I asked for) and I don't have to pay for 90 days, plus because they already did the inquiry they threw in a credit card with a $1500 limit. I had to open up a savings with them, but all and all I am happy. I raised my credit score 140 some points in 1 1/2 years.

Edited by MarvBear

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APPROVING BANK: Chase
BUREAU PULLED Experian
CREDIT SCORE 748
CUSTOMER STATE OF RESIDENCE TX
NEW/USED New
YEAR OF VEHICLE 2015
MILEAGE 190
RETAIL/LEASE Retail
AMOUNT OF LOAN $72,500
ADVANCE PERCENTAGE 110%
TERM CONTRACTED 72 Months
APR/LEASE RATE 3%
MONTHLY PAYMENT $1140
MISCELLANEOUS COMMENTARY: Extended warranty to 7yrs/100K miles

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APPROVING BANK Capital One
BUREAU PULLED Equifax
CREDIT SCORE 640, auto enhanced 670
CUSTOMER STATE OF RESIDENCE Charlotte, NC
NEW/USED USED Mercedes Benz GLK 350
YEAR OF VEHICLE 2014
MILEAGE 14,097
RETAIL/LEASE Retail
AMOUNT OF LOAN $35,000
ADVANCE PERCENTAGE
TERM CONTRACTED 72 months
APR/LEASE RATE 3.84%
MONTHLY PAYMENT $549
MISCELLANEOUS COMMENTARY: Extended warranty to 4yrs/100k miles

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APPROVING BANK: Nissan Motors Acceptance Corp
BUREAU PULLED T/U Auto Enhanced
CREDIT SCORE 671
CUSTOMER STATE OF RESIDENCE NJ
NEW/USED New
YEAR OF VEHICLE 2015
MILEAGE 1.9
RETAIL/LEASE Retail
AMOUNT OF LOAN $17,808 w / $1,500 down
TERM CONTRACTED 60
APR/LEASE RATE 0.00%
MONTHLY PAYMENT $296.41 / 60
MISCELLANEOUS COMMENTARY: Went from 22.3% with Santander on 2008 Chevy Impala(complete lemon, totally unreliable) to brand new Nissan Altima S at 0.00% for 60 months.100% of my payments go to principal reduction. I needed to "say that out loud" after paying down practically nothing on my last loan after 3 years. Got approved earlier in the day from a local credit union for 19K @ 6.19% for 66 months or $349.42/mo. Felt nice knowing I had a baseline when dealing with the car dealer. Told them I had 2.99% from credit union, they promised and delivered 0.00%.

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APPROVING BANK: Navy FCU
BUREAU PULLED Experian
CREDIT SCORE 786 FAKO
CUSTOMER STATE OF RESIDENCE VA
NEW/USED Used/Refinance Honda Odyssey Touring
YEAR OF VEHICLE 2014
MILEAGE 23780
RETAIL/LEASE Retail
AMOUNT OF LOAN $21098

ADVANCE PERCENTAGE 63% based on Marv's Black Book link
TERM CONTRACTED 72
APR/LEASE RATE 2.99%
MONTHLY PAYMENT $313
MISCELLANEOUS COMMENTARY: I purchased the vehicle new using a Pen Fed payment saver loan (balloon payment) and wanted to refinance out of this loan. USAA also approved me, but did not give me their lowest advertised rate of 2.49. Their offer was 3.25 which caught me by surprise since I usually get the lowest offered rate.

Edited by MarvBear

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APPROVING BANK BMW Finance
BUREAU PULLED All Bureaus plus Auto Score and Beacon
CREDIT SCORE 700-720
CUSTOMER STATE OF RESIDENCE WA
NEW/USED New
YEAR OF VEHICLE 2015
MILEAGE 66
RETAIL/LEASE Retail
AMOUNT OF LOAN 72,000.00
ADVANCE PERCENTAGE
TERM CONTRACTED 70
APR/LEASE RATE 3.9
MONTHLY PAYMENT 970
MISCELLANEOUS COMMENTARY: BMW Elite Program, zero down, option to buy out at 48 months

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