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MarvBear

TODAY'S APPROVALS

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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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West Lake Financial
BUREAU PULLED Ex
CREDIT SCORE 661
CUSTOMER STATE OF RESIDENCE UT
NEW/USED USED
YEAR OF VEHICLE 2012
MILEAGE 59222
RETAIL/LEASE Retail
AMOUNT OF LOAN 14,168
ADVANCE PERCENTAGE
TERM CONTRACTED 72
APR/LEASE RATE 17.29
MONTHLY PAYMENT 319.75
MISCELLANEOUS COMMENTARY: Now that im in with NFCU will refinance in a year

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APPROVING BANK: Campus USA Credit Union
BUREAU PULLED: Equifax
CREDIT SCORE: 642
CUSTOMER STATE OF RESIDENCE: FL
NEW/USED: Used
YEAR OF VEHICLE: 2013
MILEAGE: 37,828
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $16,407.50
ADVANCE PERCENTAGE: 114%
TERM CONTRACTED: 60 months
APR/LEASE RATE: 6.35%
MONTHLY PAYMENT: $321.
MISCELLANEOUS COMMENTARY: Two late pays within last two years, 3 collection accounts, but 12 recent months of positive payment history and low utilization %. This credit union is AWESOME! Process was very simple and straight forward. No down payment! I love my new Buick Verano!!!!

Edited by MarvBear

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APPROVING BANK: Bethpage FCU
BUREAU PULLED: Equifax
CREDIT SCORE: TU 675, EQ 663, EX 665
CUSTOMER STATE OF RESIDENCE: New York
NEW/USED: Used
YEAR OF VEHICLE: 2015
MILEAGE: 12K
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $17,200
ADVANCE PERCENTAGE Not sure
TERM CONTRACTED: 72 months
APR/LEASE RATE: 4.64%
MONTHLY PAYMENT: $277
MISCELLANEOUS COMMENTARY: 8 months ago this very same bank wouldnt approve me/ wanted me to use a cosigner for my first car. Keep working towards your goals & you will get there!
Edited by srthomas092

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APPROVING BANK: Santander
BUREAU PULLED: I think all 3. Used autofico 502
CREDIT SCORE: TU 580, EQ 574, EX 546 auto fico 502
CUSTOMER STATE OF RESIDENCE: California
NEW/USED: New
YEAR OF VEHICLE: 2016 Fully Loaded Ford Fusion!!!!!
MILEAGE: 50
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $28000
ADVANCE PERCENTAGE Not sure
TERM CONTRACTED: 72 months
APR/LEASE RATE: 18.74%
MONTHLY PAYMENT: $658
MISCELLANEOUS COMMENTARY: My car was bought back under the lemon law so I needed a car ASAP. My credit scores were low because of maxed out cards and a lot of lates across a lot of different accounts. I plan to pay on time and refinance through NFCU or USAA in a couple months.

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APPROVING BANK: Hyundai Financial
BUREAU PULLED: I think all 3.
CREDIT SCORE: TU 0, EQ 0, EX 0 ( They pulled no FICO scores First time buyers program.
CUSTOMER STATE OF RESIDENCE: Alabama
NEW/USED: New
YEAR OF VEHICLE: 2015
MILEAGE: 15
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $14,000
ADVANCE PERCENTAGE Not sure
TERM CONTRACTED: 60 months
APR/LEASE RATE: 9.9%
MONTHLY PAYMENT: $321.70

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APPROVING BANK: RBFCU.org
BUREAU PULLED: Transunion
CREDIT SCORE: 750ish
CUSTOMER STATE OF RESIDENCE: Texas
NEW/USED: New
YEAR OF VEHICLE: 2015
MILEAGE: 138
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $37,500
ADVANCE PERCENTAGE Not sure
TERM CONTRACTED: 66 months
APR/LEASE RATE: 1.65%
MONTHLY PAYMENT: $596

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APPROVING BANK Bank of America
BUREAU PULLED Experian
CREDIT SCORE 726
CUSTOMER STATE OF RESIDENCE Texas
NEW/USED Used
YEAR OF VEHICLE 2014
MILEAGE 9465
RETAIL/LEASE Retail
AMOUNT OF LOAN 21845
ADVANCE PERCENTAGE 88% (Based on NADA retail)
TERM CONTRACTED 48
APR/LEASE RATE 2.44
MONTHLY PAYMENT 478
MISCELLANEOUS COMMENTARY: No open auto TLs, 2.5 years since any lates, 1 late showing on last payment of older auto loan (4 years ago)

Edited by robb

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APPROVING BANK PenFed
BUREAU PULLED Equifax
CREDIT SCORE 778
CUSTOMER STATE OF RESIDENCE Utah
NEW/USED Newly Used
YEAR OF VEHICLE 2014
MILEAGE 12000
RETAIL/LEASE Retail
AMOUNT OF LOAN 36000
ADVANCE PERCENTAGE 82% (Based on NADA retail)
TERM CONTRACTED 48
APR/LEASE RATE 2.74%
MONTHLY PAYMENT 464.00
MISCELLANEOUS COMMENTARY: BK7 in 2008. Perfect history since BK. 2014 Mercedes-Benz CLA 250 4Matic

Edited by Matti

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APPROVING BANK NFCU
BUREAU PULLED Equifax Fico 04
CREDIT SCORE 690
CUSTOMER STATE OF RESIDENCE Utah
NEW/USED NEW
YEAR OF VEHICLE 2016
MILEAGE 2
RETAIL/LEASE Retail
AMOUNT OF LOAN 21300
ADVANCE PERCENTAGE 125 (Based on NADA retail)
TERM CONTRACTED 72
APR/LEASE RATE 2.00%
MONTHLY PAYMENT 314.00
MISCELLANEOUS COMMENTARY: Started non Bk rebuild Aug 2014 2016 Dodge Dart GT loaded

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APPROVING BANK NMAC
BUREAU PULLED EX, TU AUTO ENHANCED
CREDIT SCORE 673,705
CUSTOMER STATE OF RESIDENCE Utah
NEW/USED New
YEAR OF VEHICLE 2015
MILEAGE 3
RETAIL/LEASE Retail
AMOUNT OF LOAN 20,000
ADVANCE PERCENTAGE
TERM CONTRACTED 72
APR/LEASE RATE 0.00%
MONTHLY PAYMENT 275.00
MISCELLANEOUS COMMENTARY: Wow didnt think i could get Captive lending 2 new cars in a week 2015 Nissan Sentra SR

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APPROVING BANK Ford Motor Credit
BUREAU PULLED EX
CREDIT SCORE 638
CUSTOMER STATE OF RESIDENCE Ohio
NEW/USED New
YEAR OF VEHICLE 2016
MILEAGE
5
RETAIL/LEASE Retail
AMOUNT OF LOAN 31288
ADVANCE PERCENTAGE
TERM CONTRACTED 72
APR/LEASE RATE 7.00%
MONTHLY PAYMENT 538
MISCELLANEOUS COMMENTARY: I was hoping for this lender. "Promotional" APR for Mustangs was 5.9% for 60 so I'm pretty happy with 7%. I was unable to get financed in May and June of 2015. Very happy.

Edited by MarvBear

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APPROVING BANK RBFCU

BUREAU PULLED ? (Will update when I know)
CREDIT SCORE 720 (Will update when I know exactly what they used)
CUSTOMER STATE OF RESIDENCE Texas
NEW/USED Used
YEAR OF VEHICLE 2013
MILEAGE
25,000
RETAIL/LEASE Retail
AMOUNT OF LOAN 15,000
ADVANCE PERCENTAGE 84% (They gave me their collateral value directly)
TERM CONTRACTED 48
APR/LEASE RATE 1.80%
MONTHLY PAYMENT 324
MISCELLANEOUS COMMENTARY: Second car in a couple of months when boyfriend's car hit the end of the road. Took the advice gleaned from these forums and got a credit union in the mix. Nice Savings over the 2.74% offfered from BofA. As soon as we close and fund the loan, I'll update the final numbers.

Edited by robb

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APPROVING BANK: Bank of America
BUREAU PULLED: Equifax
CREDIT SCORE 669
CUSTOMER STATE OF RESIDENCE: Ohio
NEW/USED Used
YEAR OF VEHICLE 2007
MILEAGE 120K
RETAIL/LEASE Retail
AMOUNT OF LOAN $15,000
ADVANCE PERCENTAGE 125% (not sure what this means, but it said I could finance 145% of car... or it could have been 125%)
TERM CONTRACTED 72 mo or 60 mo
APR/LEASE RATE 4.79 or 4.04% Went with 72 month :)
MONTHLY PAYMENT $275
MISCELLANEOUS COMMENTARY: Thought FICO was higher, CK FAKO for EQ was (before hard inquiries) 724 and TU FAKO 734 while Experian FICO08 708, was hoping they'd pull Exp. but still very happy with this loan. We went to dealer and they would not come down on price of vehicle, (we needed $15,000 out the door ,ie. all fees included) They offered to see if they could get better rate through their bank (United Federal Credit Union) They MATCHED the BofA loan, and rolled price back to $15,000 and we drove our "new to us" baby home this evening! I am now a NEW member of United Federal Credit Union, another financial institution I think will be good to have a good relationship with. (The dealership and UFCU also pulled EQ) Bank of America ROCKS though. They have been cool about giving good limit on CC and CLI's every 3-4 months. Once again I am Very Happy with this Loan. 8 years ago I couldn't get a personal loan or a credit card, I did get a 19% car loan (highway robbery, but I needed a car) that I was finally able to pay off in 2010. Since 2012 I now have/have had a Mortgage, Personal Loan, RV loan, 3 credit cards including AMEX (never dreamed I'd have that one) and now a Car Loan. Bless you CreditBoards!!!

Just for information sake, we were told by BofA could not finance 11 year or older car, and had to be under 125K mileage. Even our car guy said he wasn't sure we could get loan with 120K mi.

 

*edited to fix text color :) alot

Edited by MarvBear

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APPROVING BANK Suncoast Credit Union

BUREAU PULLED Experian
CREDIT SCORE 734 They used Ex v2
CUSTOMER STATE OF RESIDENCE Florida
NEW/USED
New
YEAR OF VEHICLE 2016
MILEAGE 20
RETAIL/LEASE Retail
AMOUNT OF LOAN $30,000
ADVANCE PERCENTAGE
TERM CONTRACTED 72
APR/LEASE RATE 1.75%
MONTHLY PAYMENT 444
MISCELLANEOUS COMMENTARY: This was for a 2016 Jeep Grand Cherokee Overland. Put down 16K+ to cover down payment, tax, tag, title and make the loan $30K, a payment that was manageable.

Edited by MasterOfMyDomain

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APPROVING BANK PNC bank

BUREAU PULLED Experian

CREDIT SCORE 707

CUSTOMER STATE OF RESIDENCE PA

NEW/USED used

YEAR OF VEHICLE 2014

MILEAGE 22456

RETAIL/LEASE Retail

AMOUNT OF LOAN $26,000

ADVANCE PERCENTAGE

TERM CONTRACTED 72

APR/LEASE RATE 3.44%

MONTHLY PAYMENT 443

MISCELLANEOUS COMMENTARY: we purchased a 2014 ford flex. This loan was simple with an automatic approval

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APPROVING BANK NFCU
BUREAU PULLED Equifax
CREDIT SCORE 792
CUSTOMER STATE OF RESIDENCE TX
NEW/USED
Used
YEAR OF VEHICLE 2010
MILEAGE 64,000
RETAIL/LEASE Retail
AMOUNT OF LOAN $26,200
ADVANCE PERCENTAGE
TERM CONTRACTED 60
APR/LEASE RATE 4.99%
MONTHLY PAYMENT 494
MISCELLANEOUS COMMENTARY: Instant Approval, 2010 LS 460 Sport.

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APPROVING BANK-BMW Financial

BUREAU PULLED-experian

CREDIT SCORE-647

CUSTOMER STATE OF RESIDENCE-FL

NEW/USED-used

YEAR OF VEHICLE-2013

MILEAGE-17k

RETAIL/LEASE-retail

AMOUNT OF LOAN-43k, but got away from gm financial @18%, 4K upside down on loan, they rolled the neg. equity into the loan.

ADVANCE PERCENTAGE-2.9

TERM CONTRACTED-60 or 72

APR/LEASE RATE-2.9

MONTHLY PAYMENT-802

MISCELLANEOUS COMMENTARY: nothing out of pocket, thought it would take another year to get into a new BMW.

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APPROVING BANK -Capital One Auto Finance
BUREAU PULLED -TU, EX
CREDIT SCORE -593 TU, 564 Equifax
CUSTOMER STATE OF RESIDENCE - TX
NEW/USED- Used Chevy Equinox
YEAR OF VEHICLE -2015
MILEAGE -14926
RETAIL/LEASE -retail
AMOUNT OF LOAN -24860
ADVANCE PERCENTAGE
TERM CONTRACTED -72
APR/LEASE RATE -18
MONTHLY PAYMENT-573
MISCELLANEOUS COMMENTARY: I was originally approve by Road Loans (20646 max with 700 down), but Carmax got me approved by Capital One for the same interest rate but for $24,860.

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APPROVING BANK Chrysler Capital aka ccap (backed by Santander Consumer USA)
BUREAU PULLED Transunion
CREDIT SCORE 724 (not sure which fico it was yet, will update later for more accurate info)
CUSTOMER STATE OF RESIDENCE MI
NEW/USED New
YEAR OF VEHICLE 2017
MILEAGE 00
RETAIL/LEASE Lease
AMOUNT OF LOAN 45000.00
ADVANCE PERCENTAGE
TERM CONTRACTED 36
APR/LEASE RATE .00091MF (which is the top rate offered for the 2017 Chrysler Pacifica)
MONTHLY PAYMENT $441
MISCELLANEOUS COMMENTARY: Applied for a 2017 chrysler pacifica touring L plus at 45k msrp. Approved for tier 2 (the 2nd best tier level). I do not plan on leasing this minivan until mid may, when rates should drop and incentives and residuals should improve. Dealers are telling me that NO ONE in interested in Leasing these. Thats good news, as the market will dictate ccap/fca to artificially inflate the residuals to make the lease more attractive :)

Also, I have a couple dozen lates from student loans and only 9 months of car history but was able to get approved for a 2nd car; no trade in required ;)

Edited by Giantsali84

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APPROVING BANK Penfed

BUREAU PULLED Equifax

CREDIT SCORE 792 (772 NeXgen)

CUSTOMER STATE OF RESIDENCE TX

NEW/USED Used

YEAR OF VEHICLE 2010

MILEAGE 64,000

RETAIL/LEASE Retail

AMOUNT OF LOAN $26,000

ADVANCE PERCENTAGE

TERM CONTRACTED 60

APR/LEASE RATE 2.99%

MONTHLY PAYMENT 467

MISCELLANEOUS COMMENTARY: Had to provide purchase draft.

Corrected

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APPROVING BANK DELTA COMMUNITY CREDIT UNION
BUREAU PULLED EXPERIAN FICO 02 (VERSION)
CREDIT SCORE 720
CUSTOMER STATE OF RESIDENCE
GA
NEW/USED USED
YEAR OF VEHICLE 2014
MILEAGE 58,000
RETAIL/LEASE Retail
AMOUNT OF LOAN 24,000
ADVANCE PERCENTAGE 120
TERM CONTRACTED 72
APR/LEASE RATE 2.97
MONTHLY PAYMENT $370
MISCELLANEOUS COMMENTARY: THEY ONLY PULLED EXPERIAN. WAS APPROVED FOR UP TO 28,000. BOUGHT A HONDA CERTIFIED PRE-OWNED CR-V EX-L.

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APPROVING BANK Suncoast Credit Union
BUREAU PULLED Experian
CREDIT SCORE 680
CUSTOMER STATE OF RESIDENCE Fl
NEW/USED Used
YEAR OF VEHICLE 2014 Dodge Ram 1500 Big Horn
MILEAGE 24000
RETAIL/LEASE Retail
AMOUNT OF LOAN 36000
ADVANCE PERCENTAGE
TERM CONTRACTED 72 month
APR/LEASE RATE 1.75
MONTHLY PAYMENT 548
MISCELLANEOUS COMMENTARY:

Edited by MarvBear

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  • APPROVING BANK Nissan Motor Acceptance Corp

    BUREAU PULLED Equifax

    CREDIT SCORE 693

    CUSTOMER STATE OF RESIDENCE MO

    NEW/USED New

    YEAR OF VEHICLE 2016 Nissan Altima SR

    MILEAGE new

    RETAIL/LEASE Retail

    AMOUNT OF LOAN 32000

    ADVANCE PERCENTAGE

    TERM CONTRACTED 72 month

    APR/LEASE RATE .9

    MONTHLY PAYMENT 462

    MISCELLANEOUS COMMENTARY:

I traded in a 2010 Maxima with 145,000 miles that I was about $7,000 upside down on (still owed around $15,000). I was shocked that I qualified for .9 percent interest through NMAC. The dealer worked some numbers and got me into a brand new Altima. It was explained that it's easier to roll negative equity into a new car vs. a used one. I had to carry over a lot of that negative equity from the Maxima, but knowing almost all my monthly payment is now going toward principle (old loan was about 8% through NFCU) helps my state of mind. I'll of course have to keep the car 3-4 years but that's fine. Oh, and about $11/mo of that is GAP insurance.

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APPROVING BANK: GM Finance
BUREAU PULLED: Equifax
CREDIT SCORE: 580
CUSTOMER STATE OF RESIDENCE: Texas
NEW/USED: New
YEAR OF VEHICLE: 2016 Silverado 1500 Double Cab - Red Hot
MILEAGE: 7
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $33,280
ADVANCE PERCENTAGE Not sure
TERM CONTRACTED: 72 months
APR/LEASE RATE: 10.95%
MONTHLY PAYMENT: $631
MISCELLANEOUS COMMENTARY: Was upside down on my trade-in by $11,400.00. I had $9,000 down-payment to help with the negative equity. I wasn't able to get the Colorado that I wanted, but the Silverado was doable due to more rebates going on right now. MSRP: ~ $35,000. Drive out price with Extended 5 year B2B warranty and GAP insurance - $33,280.00. My interest rate on my trade-in was 11.5% - this new loan got me down to 10.9%. The dealership ended up losing money on the truck (which was made back up with GM Coupons) to get me in a vehicle and meet the requirements for financing. Great salesman and dealership!

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