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MarvBear

TODAY'S APPROVALS

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APPROVING BANKTruliant Federal Credit Union

BUREAU PULLEDEquifax

CREDIT SCORE605

CUSTOMER STATE OF RESIDENCENorth Carolina

NEW/USEDUsed

YEAR OF VEHICLE2002

MILEAGE104000

RETAIL/LEASERetail

AMOUNT OF LOAN6300

ADVANCE PERCENTAGE?

TERM CONTRACTED36 months

APR/LEASE RATE7.85

MONTHLY PAYMENT198

MISCELLANEOUS COMMENTARY:Cosigned for my sister on a 2002 Chevrolet Trailblazer LTZ

Edited by creditguy86

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APPROVING BANK:Truliant Federal Credit Union

BUREAU PULLED:Equifax

CREDIT SCORE:605

CUSTOMER STATE OF RESIDENCE:North Carolina

NEW/USED:Used

YEAR OF VEHICLE:2002

MILEAGE:155000

RETAIL/LEASE:Retail

AMOUNT OF LOAN:3700

ADVANCE PERCENTAGE:?

TERM CONTRACTED:24 months

APR/LEASE RATE:7.35

MONTHLY PAYMENT:172

MISCELLANEOUS COMMENTARY:Originally bought car for 7000 with local finance company, then refinanced(Interest before refinance was 24%) at a balance of 3700

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APPROVING BANK: Charter Oak Credit Union

BUREAU PULLED: TU

CREDIT SCORE: 605

CUSTOMER STATE OF RESIDENCE: CT

NEW/USED: New

YEAR OF VEHICLE: 2008

MILEAGE: 83

RETAIL/LEASE

AMOUNT OF LOAN: 11,500

ADVANCE PERCENTAGE: 80%

TERM CONTRACTED: 72 Months

APR/LEASE RATE: 15%

MONTHLY PAYMENT: 250.

MISCELLANEOUS COMMENTARY: two unpaid medical bills, two unpaid credit card collection accounts, took the right F&I guy to get this one done.

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APPROVING BANK Regions Bank

BUREAU PULLED TU

CREDIT SCORE 699

CUSTOMER STATE OF RESIDENCE Florida

NEW/USED New

YEAR OF VEHICLE 2008

MILEAGE 20

RETAIL/LEASE Retail

AMOUNT OF LOAN $11,500

ADVANCE PERCENTAGE 69%

TERM CONTRACTED 75 months

APR/LEASE RATE 5.49%

MONTHLY PAYMENT $200.92

MISCELLANEOUS COMMENTARY: 2008 Pontiac G5. Went in pre-approved by local credit union @ 5.95%. Gave dealer the opportunity to beat that rate only if they pull TU and they did. 29 new accounts since Apr 2007. Low utilization. Existing car note with $6k balance. Another paid off (refinanced) in 6 months car note. 1 Inq on TU. Fraud alert on file.

Edited by uscgamecock

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APPROVING BANK: Chrysler Bank

BUREAU PULLED Equifax

CREDIT SCORE 604

CUSTOMER STATE OF RESIDENCE California

NEW

YEAR OF VEHICLE 2008

MILEAGE 777

RETAIL

AMOUNT OF LOAN 14K

ADVANCE PERCENTAGE? 0% APR

TERM CONTRACTED 60 months

MONTHLY PAYMENT 345

Specials: 2.99 gas for 36 months, Maintenance contract, Gap Protection, extra warranty, Sirius Satellite Radio

**When you apply for a new car, ask for everything trust me they are trying to sell cars and not alot of people are buying so i asked for anything i could think of.

Edited by MarvBear

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APPROVING BANK Volkswagen Finance

BUREAU PULLED Experian

CREDIT SCORE 644

CUSTOMER STATE OF RESIDENCE California

NEW/USED New

YEAR OF VEHICLE 2008

MILEAGE 100

RETAIL/LEASE Retail

AMOUNT OF LOAN $12,613

ADVANCE PERCENTAGE ??

TERM CONTRACTED 60 mos.

APR/LEASE RATE 2.9%

MONTHLY PAYMENT 231.00

MISCELLANEOUS COMMENTARY: Co-sign with my mother, who has a very good credit history

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APPROVING BANK Roadloans

BUREAU PULLED Experian

CREDIT SCORE 584

CUSTOMER STATE OF RESIDENCE Texas

NEW/USED New

YEAR OF VEHICLE 2008

MILEAGE 40

RETAIL/LEASE Retail

AMOUNT OF LOAN $29000

ADVANCE PERCENTAGE ??

TERM CONTRACTED 72 mos.

APR/LEASE RATE 18%

MONTHLY PAYMENT 710.00

MISCELLANEOUS COMMENTARY: I don't like the APR BUT I'm rebuilding; gotta start somewhere. Looking to refi after 6 months at a much better rate. Credit repair in progress! :rolleyes:

Edited by MarvBear

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APPROVING BANK Navy FCU

BUREAU PULLED Equifax

CREDIT SCORE 669

CUSTOMER STATE OF RESIDENCE California

NEW/USED Used

YEAR OF VEHICLE

MILEAGE

RETAIL/LEASE Retail

AMOUNT OF LOAN $15,000

ADVANCE PERCENTAGE

TERM CONTRACTED 48 months

APR/LEASE RATE 6.75%

MONTHLY PAYMENT

MISCELLANEOUS COMMENTARY: Pre-approval, expect to spend less ?shorten term

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APPROVING BANK Pt Loma Credit Union

BUREAU PULLED Equifax

CREDIT SCORE 650 est

CUSTOMER STATE OF RESIDENCE California

NEW/USED USED - Refi

YEAR OF VEHICLE 2007

MILEAGE 21000

RETAIL/LEASE Refi

AMOUNT OF LOAN 28500

ADVANCE PERCENTAGE 120%

TERM CONTRACTED 66

APR/LEASE RATE 6.24%

MONTHLY PAYMENT 515.00

MISCELLANEOUS COMMENTARY: Intially offered 9.75 as a used car loan, then asked for a recon as we have had vehicles financed there before. Also applied for a CC, since I could use the same Inq.

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APPROVING BANK Mountain America Credit Union

BUREAU PULLED Experian

CREDIT SCORE 648

CUSTOMER STATE OF RESIDENCE Arizona

NEW/USED USED Used

YEAR OF VEHICLE 2008

MILEAGE 6000

RETAIL/LEASE Retail

AMOUNT OF LOAN 32k

ADVANCE PERCENTAGE

TERM CONTRACTED 48 months

APR/LEASE RATE 5.93

MONTHLY PAYMENT 753

MISCELLANEOUS COMMENTARY: Intially offered 8.99 at dealership, I decided to walk out of the dealership and apply online w/ capitalone, I was approved for 5.93, the dealership said they would match the rate

Edited by MarvBear

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APPROVING BANK Pentagon Federal Credit Union

BUREAU PULLED Equifax

CREDIT SCORE 696

CUSTOMER STATE OF RESIDENCE MI

NEW/USED Used

YEAR OF VEHICLE 2007

MILEAGE 19800

RETAIL/LEASE Retail

AMOUNT OF LOAN $11,900

ADVANCE PERCENTAGE 95%

TERM CONTRACTED 36 mo.

APR/LEASE RATE 4.25%

MONTHLY PAYMENT $353

MISCELLANEOUS COMMENTARY: This loan was used to pay off a Home Equity Loan I used to buy the car new. PenFed processed as a used car loan since I was essentially buying the car from myself. :blink:

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APPROVING BANK Pentgon Federal CU

BUREAU PULLED Equifax

CREDIT SCORE 798

CUSTOMER STATE OF RESIDENCE CA

NEW/USED New

YEAR OF VEHICLE 2008

MILEAGE 11

RETAIL/LEASE Retail

AMOUNT OF LOAN $ 85,429.00

ADVANCE PERCENTAGE 109

TERM CONTRACTED 72 mos

APR/LEASE RATE 4.50%

MONTHLY PAYMENT $1,356.10

MISCELLANEOUS COMMENTARY: G 500 SUV; They discounted this fully loaded vehicle 10k and gave me extended warranty to 100k miles; All scheduled maintenance to 100k miles! My Company pays all gas so I don't care that it gets 12 mpg city ;-)

Edited by sjca

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APPROVING BANK American Honda Finance Company

BUREAU PULLED Trans Union

CREDIT SCORE 737 AE (688FICO)

CUSTOMER STATE OF RESIDENCE FL

NEW/USED New

YEAR OF VEHICLE 2008

MILEAGE 60

RETAIL/LEASE Finance-2.9% 60months 0.9% @36months

AMOUNT OF LOAN $ 25,429.00

ADVANCE PERCENTAGE 109

TERM CONTRACTED 48 mos

APR/LEASE RATE .00209 money factor,about 5%

MONTHLY PAYMENT $381

MICELLANEOUS COMMENTARY:Got approved for both, but took the lease for lower payments. 5yrs post ch7 2 iibs showing sig shows the rest

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APPROVING BANK Nordstrom Federal Credit Union

BUREAU PULLED Experian

CREDIT SCORE 567

CUSTOMER STATE OF RESIDENCE NJ

NEW/USED New

YEAR OF VEHICLE 2009

MILEAGE 10

RETAIL/LEASE Retail

AMOUNT OF LOAN $10,000.00

ADVANCE PERCENTAGE

TERM CONTRACTED 72 Months

APR/LEASE RATE 9.5%

MONTHLY PAYMENT $184.00

MISCELLANEOUS COMMENTARY: 2009 Toyota Corolla. This is my first auto loan of any kind, I was very surprised I was approved since my credit report shows 9 charge offs (most show as paid), 1 public record, and about 14 inquiries.

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APPROVING BANK Advanced Financial Credit Union

BUREAU PULLED - Transunion

CREDIT SCORE 619

CUSTOMER STATE OF RESIDENCE NJ

NEW/USED New 2008 MINI COOPER

YEAR OF VEHICLE 2008

MILEAGE - minimal as Brand New-(still on boat on way to NJ) picking up in 2 weeks

RETAIL/LEASE Retail

AMOUNT OF LOAN $29000

ADVANCE PERCENTAGE

TERM CONTRACTED 60 month

APR/LEASE RATE 8.25%

MONTHLY PAYMENT 590 range

MISCELLANEOUS COMMENTARY: BMW approved also but rate was 9.5%. Decided to go with my credit union

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APPROVING BANK American Honda Finance Company

BUREAU PULLED Trans Union

CREDIT SCORE 750 FAKO from Truecredit/746 from Creditsecure

CUSTOMER STATE OF RESIDENCE IL

NEW/USED New

YEAR OF VEHICLE 2008

MILEAGE 15

RETAIL/LEASE Retail

AMOUNT OF LOAN $ 19,000.00

ADVANCE PERCENTAGE

TERM CONTRACTED 72 mos

APR/LEASE RATE 8.99%

MONTHLY PAYMENT $359

MICELLANEOUS COMMENTARY: First time buyer, $1000 down

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APPROVING BANKAmericredit

BUREAU PULLEDExperian

CREDIT SCORE584

CUSTOMER STATE OF RESIDENCEVirginia

NEW/USEDNew

YEAR OF VEHICLE2008

MILEAGE16

RETAIL/LEASERetail

AMOUNT OF LOAN14200

ADVANCE PERCENTAGE?

TERM CONTRACTED72 months(ouch)

APR/LEASE RATE16.35

MONTHLY PAYMENT310

MISCELLANEOUS COMMENTARY:2008 Hyundai Accent w/ "popular" package. Down payment: $500 trade in value from my Isuzu that wouldn't pass emissions.

Edited by Rook2g5

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APPROVING BANK NFCU

BUREAU PULLED Equifax

CREDIT SCORE 674

CUSTOMER STATE OF RESIDENCE MS

NEW/USED New

YEAR OF VEHICLE 2008

MILEAGE N/A

RETAIL/LEASE Retail

AMOUNT OF LOAN $ 41,000 (this is what I asked for)

ADVANCE PERCENTAGE

TERM CONTRACTED 60 mos

APR/LEASE RATE 6.25%

MONTHLY PAYMENT ??

MICELLANEOUS COMMENTARY: Preapproval. Going shopping this weekend.

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APPROVING BANK - Regions Bank

BUREAU PULLED - All 3

CREDIT SCORE - 613

CUSTOMER STATE OF RESIDENCE - TX

NEW/USED - New

YEAR OF VEHICLE - 2008

MILEAGE - 14

RETAIL/LEASE - Retail

AMOUNT OF LOAN - 17000

ADVANCE PERCENTAGE - ?? I think 80

TERM CONTRACTED - 60

APR/LEASE RATE - 12

MONTHLY PAYMENT - 380

MISCELLANEOUS COMMENTARY: Good dealership. Had a wonderful experience. Great F&I guys.

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UPDATED****SIgned papers and got check from CU today. Rate was lower then originally quoted.... :)

 

APPROVING BANK Advanced Financial Credit Union

BUREAU PULLED - Transunion

CREDIT SCORE 619

CUSTOMER STATE OF RESIDENCE NJ

NEW/USED New 2008 MINI COOPER

YEAR OF VEHICLE 2008

MILEAGE - minimal as Brand New-picking up this weekend

RETAIL/LEASE Retail

AMOUNT OF LOAN $28,517.56

ADVANCE PERCENTAGE

TERM CONTRACTED 60 month

APR/LEASE RATE 5.5%

MONTHLY PAYMENT 549.04

MISCELLANEOUS COMMENTARY: BMW approved also but rate was 9.5%. Decided to go with my credit union

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APPROVING BANK Pentagon Fed Credit Union

BUREAU PULLED Exquifax

CREDIT SCORE 708 505 Six Months Ago

CUSTOMER STATE OF RESIDENCE Michigan

NEW/USED Both

YEAR OF VEHICLE 2005

MILEAGE 50000

RETAIL/LEASE 14000

AMOUNT OF LOAN 14000

ADVANCE PERCENTAGE 110%

TERM CONTRACTED 60 MO

APR/LEASE RATE 4.25

MONTHLY PAYMENT

MISCELLANEOUS COMMENTARY I am so thankful for this board. Prior to this approval I was approved through Roadloans at 20.59%! I am so amazed at how the knowledge gained from this board kept me from committing financial suicide. PenFed also gave me 3 Credit Cards, each with $11,000 limits! I don't expect to use them but it's sure nice to know I have them. I was also approved through Justice Federal Credit Union but I only accepted the card and decline the auto loan because PenFeds rates were so low. Not bad for a guy with 505 scores just 6 short months ago.

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APPROVING BANK- USAA

BUREAU PULLED- Equifax

CREDIT SCORE- 653

CUSTOMER STATE OF RESIDENCE- Virginia

NEW/USED- Used Motorcycle

YEAR OF VEHICLE- 2005

MILEAGE- 3,900

RETAIL/LEASE- $4500

AMOUNT OF LOAN-$4600

ADVANCE PERCENTAGE-?

TERM CONTRACTED- 48 months

APR/LEASE RATE- 7.36

MONTHLY PAYMENT- $111.20

MISCELLANEOUS COMMENTARY- approved up to $28K...only needed $4.4K to buy. MARV should be dubbed MARVSTRADAMUS

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APPROVING BANK Chase (as Subaru Financial)

BUREAU PULLED TU

CREDIT SCORE 699

CUSTOMER STATE OF RESIDENCE IL

NEW/USED New

YEAR OF VEHICLE 2009

MILEAGE 9

RETAIL/LEASE Retail

AMOUNT OF LOAN ~$22,500

TERM CONTRACTED 60 mos.

APR/LEASE RATE 5.9%

MONTHLY PAYMENT $436.90

MISCELLANEOUS COMMENTARY: Several (paid) student loan COs (paid 4 years ago) and one unpaid ATT CO from 5 years ago. 18% util & 4 inquiries. 6 year banking/credit (CC) relationship with Chase prior to loan, but done through dealer

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APPROVING BANK Capital One Auto Financing Blank Check

BUREAU PULLED TU & EX

CREDIT SCORE 641 609

CUSTOMER STATE OF RESIDENCE NY

NEW/USED New

YEAR OF VEHICLE 2009 Toyota Corolla LE

MILEAGE 27

RETAIL/LEASE Retail

AMOUNT OF LOAN approved for $26,000 actual loan $19,211 (Tax,Tags & Title included)

ADVANCE PERCENTAGE 100%

TERM CONTRACTED 60 months

APR/LEASE RATE 6.97%

MONTHLY PAYMENT $379.11

MISCELLANEOUS COMMENTARY: Put down $750. BK Chap 7 Filed 11/06 discharged 11/07 Reaffirmed auto loan $4318 remaining. 14 revolving accounts IIB, 1 mortgage IIB. 30 old accounts closed, never late.

Edited by MarvBear

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PPROVING BANK BMW Bank of North America

BUREAU PULLED Equifax

CREDIT SCORE 598

CUSTOMER STATE OF RESIDENCE TX

NEW/USED USED

YEAR OF VEHICLE 2007

MILEAGE 5800

RETAIL/LEASE Retail

AMOUNT OF LOAN $ 30419

ADVANCE PERCENTAGE 109

TERM CONTRACTED 72 mos

APR/LEASE RATE 15%

MONTHLY PAYMENT $650

MISCELLANEOUS COMMENTARY: Loaded BWM 328i. I heard the best deals are made at the end of the month. I guess they are. This car was $34,000. I had a 5000 down payment and they met me halfway on my trade a 2004 Chrysler Crossfire (upside down 2300). Got the CPO warranty to 100,000 miles. I plan to refinance through my credit union in about six months.....

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