DallasCarLoan asked:

Get a fast car loan here. We have an instant online application. Bad credit, no problem. Use our auto loan calculator today. Dallas Car Loan 2428 McKinney Ave Dallas, TX 75201 (214) 382-9283 www.DallasCarLoan.info

Loretta

bequiahotel asked:

carloanfast.info for the best car loan information. Auto Loan Rates Slashed In Effort To Stimulate Economic Growth The Obama administration has pressured lenders to get the economy moving again, and as a result now is the best time ever to get a new or used car loan. Even if you’ve never considered buying a car or truck on credit before, you should explore the option. Because auto loan brokers are desperate for your business they are offering some of the most attractive rates ever. Of course you should be an informed consumer when shopping for a loan. That’s why many internet sites like www.CarLoanFast.info have sprung-up to help consumers make wise loan choices. You can get some of the best rates ever right now, because lenders want to lend to you. Even if you have bad credit Put yourself in the drivers seat. Learn more at http

Franklin

CarLoanSeattle asked:

Get a fast car loan here. We have an instant online application. Bad credit, no problem. Use our auto loan calculator today. Car Loan Seattle 2162 5th Ave N Seattle WA 98109 www.CarLoanSeattle.info (425) 996-7628

Francisco

ceazon22 asked:


i went to an Acura dealer today to look at an Eclipse i want for $4995. I have bad credit because of 2 credit cards, 1 bounced check with Wal-mart and some unjust charges(to me) from Key bank. But I have a paid off auto loan through Chase. Before i went on I talked to the dealer on the phone and he said they dealt with banks who financed good credit and bad credit applicants. I went in filled out the credit app. and he Said he’ll contact me on Monday with an answer( I guess because the banks aren’t open on the weekend?) but I’ve done the math with the price of the eclipse, my trade-in, and what I make. And I would easily be able to afford payments on a 5- year loan. The thing is I’m still in school and only work part-time and make around $9000 per month. Will they look at that as too low? And what do you think my interest rate would end up at? more than 15%? thanks for the answers
I meant I make $900 per month not $9000, sorry.
tmladenka, STFU prick, I’m halfway trough my college degree and upon graduation I’ll be making more than your sorry ass will ever dream of. And I guess I have to wait till Monday because there was only about 45 minutes until they closed. BTW I just looked up my credit score and it is 548. It’s kind of bs, because my paid off car loan is by far more in numbers than any of my debts.
and 1 more thing, read the details added people I MAKE $900 A MONTH NOT 9000! THAT’s WHAT WE CALL A TYPO
also, I should’ve mentioned that after doing the math ie. trade in, interest, income, My payments would be under $100 monthly on a 5 year loan.

Douglas

Ruth Caldon asked:




Picture this. You need a new set of wheels and you need them in a hurry. The only problem is you don’t have the disposable cash to buy it and you know your credit record leaves a lot to be desired. So what do you do? Resort to grabbing the bus every day or go for an auto loan instead?

Most people would put their hands up at the suggestion of an auto finance loan. It solves all your problems, giving you the cash you need to buy that new car up front, and allowing you to pay it back monthly at an agreed rate.

But hang on a minute – aren’t interest rates for bad credit risks going to be sky high?

It’s a fact of life that someone who is an excellent credit risk is going to get the lowest rates. But it doesn’t work in quite the same way in reverse. It’s easy to assume that the worst credit risk is automatically going to get really high interest rates. But this is where the logical thinking can break down.

The truth is that there are companies around today who specialize in providing competitive car loans for people who don’t have a good credit record. The trick is to shop around and make sure you get the best rate you can.

Some people are surprised at just how much they can do to help themselves as well. For instance, let’s say you are looking to borrow $15,000 to finance that new car you’ve got your eye on. You might find you have the option to spread your repayments over different lengths of time. But this could involve different rates of interest.

Generally speaking you should get a better rate for agreeing to pay the money back faster. You should always be sure you agree to what you can afford of course. There is no point agreeing to a lower interest rate for paying back $300 a month if you can only afford to pay back $150 a month. Always ensure you pick the right loan and terms for your needs.

Another example would be the advance payment you make on your car. If you can put 20% down you’ll get better terms than if you only put 5% down. Crunch those numbers carefully and work out what you can afford to do before agreeing to the terms of any loan. This will help you to get the lowest possible rate for your situation.

Ernest

gamblingsucks asked:


i have an auto loan that I got from Capital one right after Ch 7 discharge for 21k at 25% apr $557. I paid for it for 7 months and then had it refinanced through wells fargo for 20% apr $505 a month.

Obviously this is ridiculous to pay for a car and since im well past my discharge can I refinance again? Someone told me I should look at credit unions and Im wondering if someone can recommend a credit union i can check out online to maybe get my apr to a reasonable rate

Larry

Justcurious asked:


I am trying to get an auto loan. I have about a 600 credit score and nothing really bad on my credit but nothing really high in an amount. I have a co signer who has about a 740 credit score but not really any high loans on their credit either.. I have great income. Its kinda like my co signer has the good credit and i have the great income. Can we submit the auto loan with my co sogner has the primary and myself as the secondary so we can get the best rate and stay away from a high apr? Possibly even a lease.

Bernice

chrls_bann88 asked:


My score is 480 yes oucH I fucked up in college and well it has actually gone up since I’ve been paying shit off etC and I got an auto loan for 18000 for a car worth 13000 maybe I’m dumb but it costs that much because my interest rate is out of this worlD. So it turns out the car is not even worth 13000 more like 10K and now I’m stuck with it. Ill probably keep it for 7 – 9 months to build up mycredit, do u think ill be able to refinance after that time, what do I do if I want to trade the car in and get a better one. I feel trapped because my credit is so bad

Roy

JJ asked:


Right now my Fico score is at 568. On my credit report the reasons stated for my low score is because of a severely late payment 8 months ago from a student loan. The reason for this is that for some reason the lender didn’t update my account as being deferred and when I found out about it, I paid it up to current and have made all other payments on time (before and after this with them). I tried contacting them about this but they are not willing to help with the late payment reporting. I also have a large amount of inquires because I’ve been applied for loans with the “bad credit” dealerships only to be told I can get a used $10000 car for like $500 a month payments (not a very good deal in my eyes because most of the vehicles have 100k miles). Now with what fico has released as the scoring for late payments my interpretation of that would be that my score would be in the 650′s if my student loan had reported correctly. If I were to go to a bank or credit union and explained my situation with that would it help me get into a vehicle or just hurt me with another inquiry? I do have some old collections from a divorce that I have been paying off and having them removed that were from about 4-5 years ago, but now I need a new vehicle and all my excess cash went to old bills so I am limited on a down payment. Currently I have 2 credit cards with a total of $500, 20% utilized just to keep a good reporting. I have been at my employer and address for 18 months and my AGI approx 40k.

I am hoping to get some professional opinions whether it would be possible to get an auto loan through a CU or Bank. Would going to a large dealership be the best bet? Any guess on the probability to get a loan would be great.
I understand I would have a higher interest rate but I am willing to accept that. I am just trying to get into a new or slightly used vehicle and bring my score up by April 2010 to purchase a home.
People come on here for answers, not snide comments. Also, I’m asking for professional experience or people who have been able to do so in similar situations. Please, if you do not know then don’t post just to get a point.

Brent

Chimerenka Odimba asked:




Everyone knows that auto loans can help you acquire that car you’ve always wanted quickly. What less people know is that the resultant repayments can add up to almost double of the cost of the car. Check out the following tips to help you get lower interest rates.

Having good credit is a sure way to getting low interest rates on your car loans. It is therefore advisable to know your credit rating before applying for that Auto loan. Ensure you get a copy of your credit report and make sure there are no errors. If there are, have them corrected before going for the loan so you don’t find any surprises when applying for your car loan.

You could discover that your credit rating is bad. If that is the case, look at the following recommendations. They would help you get lower interest rates.

First check with a bank you already have a relationship with. They might be more disposed to give you a break.

Get someone with a good credit rating. Let him/her be your cosigner for the loan. The rates you would get would be the rate such a cosigner qualifies for. Which would of course be better than you would be qualified for.

Look online for site that help you link you with lenders. They help you compare amongst various lenders so you can end up with the best deal. The great thing about this is that it is absolutely free and there is no obligation attached to it. You simply fill their online form and they link you with lenders. The choice of which lender to go with or whether not to go with any lender they recommend is totally your choice.

Checking out these online loans sites can be very helpful as a research tool. Try out some we recommend.

Melissa