Will I get approved on a car loan?

**brianboi04** · September 16th, 2018 03:22 PM

Hi good sirs, d ako makapag post ng bagong thread kaya dito ko na lang ilalapag to. Im planning to get a brand new car via auto loan, nagdadalawang isip lang ako kase may cancelled card ako sobrang tagal na di ko na din naayos. May mga nakausap kase ako na ahente na may mga napapaaprove nga daw sila multiple cc pa nga daw ang d nabayaran. Stable naman ang job ko ngayon, 5 yrs na din ako sa present company. Lahat nga lng ng transaction ko is cash kase d nako nagtry uli mag apply ng credit card. Sa tingin nyo ba maaprove ako for auto loan? TIA sirs.

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**sean-archer** · September 16th, 2018 05:49 PM

Originally Posted by brianboi04

Hi good sirs, d ako makapag post ng bagong thread kaya dito ko na lang ilalapag to. Im planning to get a brand new car via auto loan, nagdadalawang isip lang ako kase may cancelled card ako sobrang tagal na di ko na din naayos. May mga nakausap kase ako na ahente na may mga napapaaprove nga daw sila multiple cc pa nga daw ang d nabayaran. Stable naman ang job ko ngayon, 5 yrs na din ako sa present company. Lahat nga lng ng transaction ko is cash kase d nako nagtry uli mag apply ng credit card. Sa tingin nyo ba maaprove ako for auto loan? TIA sirs.

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Mas lenient ang approval sa car loan kesa credit card application.

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**dr. d** · September 16th, 2018 09:19 PM

Originally Posted by brianboi04

Hi good sirs, d ako makapag post ng bagong thread kaya dito ko na lang ilalapag to. Im planning to get a brand new car via auto loan, nagdadalawang isip lang ako kase may cancelled card ako sobrang tagal na di ko na din naayos. May mga nakausap kase ako na ahente na may mga napapaaprove nga daw sila multiple cc pa nga daw ang d nabayaran. Stable naman ang job ko ngayon, 5 yrs na din ako sa present company. Lahat nga lng ng transaction ko is cash kase d nako nagtry uli mag apply ng credit card. Sa tingin nyo ba maaprove ako for auto loan? TIA sirs.

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we can listen to all the posts here of others' experiences.
but in the end, it's still your credit history that they will look at, sir.
cross fingers, say a little Prayer, and apply already.

if you can make a good explanation on what happened to that card issue, and that your financial status has since improved such that it will not happen again... it will help.

**sean-archer** · September 16th, 2018 09:20 PM

Originally Posted by dr. d

we can listen to all the posts here of others' experiences.
but in the end, it's still your credit history that they will look at, sir.
cross fingers, say a little Prayer, and apply already.

if you can make a good explanation on what happened to that card issue, and that your financial status has since improved such that it will not happen again... it will help.

More often that not, they don't give you the opportunity to explain

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**dr. d** · September 16th, 2018 09:25 PM

Originally Posted by sean-archer

More often that not, they don't give you the opportunity to explain

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unahan nyo.
bring up the topic and explain.

**brianboi04** · September 16th, 2018 11:24 PM

Originally Posted by dr. d

unahan nyo.
bring up the topic and explain.

Thanks sa advise sir.

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**brianboi04** · September 29th, 2018 12:09 PM

Originally Posted by sean-archer

Mas lenient ang approval sa car loan kesa credit card application.

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Sir tanong ko lang po kung may kakilala kayo na naaprove sa car loan kahit may utang sa cc. TIA.

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**mda** · September 29th, 2018 12:26 PM

Originally Posted by brianboi04

Sir tanong ko lang po kung may kakilala kayo na naaprove sa car loan kahit may utang sa cc. TIA.

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Pag sobrang overdue na, malabo yan.

**sean-archer** · September 29th, 2018 02:43 PM

Originally Posted by brianboi04

Sir tanong ko lang po kung may kakilala kayo na naaprove sa car loan kahit may utang sa cc. TIA.

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Own experience, disapproved ako sa BDO cc application, for reason the bank wouldn't divulge, pero approve sa BPI auto loan. Pareho ako may multiple accounts with each bank. Weird Talaga.

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**Little Missy** · September 29th, 2018 02:59 PM

Originally Posted by sean-archer

Own experience, disapproved ako sa BDO cc application, for reason the bank wouldn't divulge, pero approve sa BPI auto loan. Pareho ako may multiple accounts with each bank. Weird Talaga.

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Hmm. Ako pinadalhan ng cc ng BDO kahit di ako nag aaply. Reason for my eligibility is having an account with them.

Btt:

My sister is capable of paying car loans pero for some reason hindi siya naaapprove. We suspect is her credit card records. Wala siyang tinakbuhan pero baka yung credit pattern and payment history? I dunno. 2 cars niya nakapangalan sakin. Ako effortless naaapproved. Wala akong credit card.

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