I’m 19 and in college and don’t have a vehicle. I need to get to and from work this summer and am tired of having to ask for rides. I have a job, but haven’t had it long and no real established credit. I am also an independent (completely separated from my family because of things they’ve done) and have no cosigner. Is there any way I can get a loan for a car without a cosigner?
those buy here pay here auto dealerships can get you in a car with about a grand down, however the first car you buy you usually get a high interest rate (up to 33 % ) and a short term loan (12 to 24 months) the more money you put down, the better car you get so three grand down can get a decent ride. However the hardest part is finding a good car, for the most part the dealer is not your buddy and not your freind and you cannot trust his word about one car on his lot since most used car dealers do not give warranty. (the ones that do, usually want twice what the car was worth) If you find a car you like that the mechanic oks, try to pay the principal off on the car (the amount you owe not including interest) this way that 33 percent interest does not add up so fast, I paid a vehicle off as fast as I could, you can save a lot of money over a two year short term loan this way. Sometimes you may have to get a second job to do this right, but HOW BAD, DO YOU WANT A CAR??? SOMETIMES WE DO WHAT WE HAVE TO DO. the good news is this, if you pay the first car off on time or sooner, there is no penalty for early payments, and they did not have to repo the car, they now know, you will pay them, and will be calling you, you have established credit, and the interest rate will be much better the second time around as well.
I have a few tips for buying used cars I have learned over many years, there are quite a few used car manufacturers I would not buy a car from, I am going to stick with the ones I would use first. a toyota a honda or a nissan is what you want to find, front engine, rear wheel drive stick shift are usually better. these three manufacturers have better cars, they hold up well under high mileage and they seem to run forever, if the dealer has none, try for a mazda, but honestly, stay away from front wheel drive anything, these cars generally do not do high mileage well and are much more expensive to fix. I like to test drive a used car cold, when it has been sitting overnight, open the hood, check the engine oil to make sure it is oil and not gear lube and sawdust. if its an automatic, pull out the dipstick, and check to see that the fluid is pink and clear, sniff the dipstick, if the fluid does not smell burned, and is not brown or black then this is good. with the hood up, start the car it should start easily and stay running with no banging or knocking or rattling noises, and no big clouds blue smoke. it should smooth into a high idle in the first 5 to 10 seconds. Shut the hood, get in and try to drive off quickly with a minimum of warm up time, head for a freeway, or expressway, the car should get up to freeway speeds easily without trouble, drive the car for 30 to 40 minutes it takes a good 20 minutes to warm up a car thoroughly. You want a car that runs good gets up to freeway speed easily and stops good. check all the power windows, up and down several times each all the way up and all the way down. (sometimes a damaged motor can be reset and it may work once, so always test each window several times, make sure the heater the air conditioner and the cruiese control all work, check the tilt steering the power mirrors, the power seat make sure it all works good. It is a good idea, to always take a used car to a mechanic BEFORE YOU BUY IT, NOT AFTER, your mechanic works on crappy cars, all day long, he will tell you often times not to even bring some make and model of cars in, because he works on them a lot because they are no good. if you do not have a mechanic, get one, a used car, is going to break, you are going to need one anyhow. but he can save you thousands of dollars by telling you not to buy a pile of crap of a car (and there are thousands of crap cars for sale) If your mechanic oks a car, but finds minor problems, get a written estimate and use this to help negotiate a price DOWN. if the dealer does not have any cars that interest you, then check back, or ask them when the next shipment of used cars are coming in. type www.samarins.com in your web search box, this is a website that has a ton of information on how to look for a good used car, it also has some used car reviews, and can rate cars that have good records of dependability, because after all, you do not want to spend a ton of money that you had to earn with your blood sweat and tears on a junker. best of luck it takes patience, patience, and more patience, to get a good used jewel in the sea of poop.
Archive for the ‘car loan’ Category
Can i get a car loan without a cosigner?
Is the car loan cosigner liable in human injury?
I am doing a lease buyout with my dad (jointly) and my girlfriend is the primary driver. The car registration and car insurance is under her name and I am named the other driver in the car insurance policy.
My question is if my girlfriend gets into a car accident and the individual who is hurt sue’s my girlfriend and she cannot pay, is my dad Cosigner to the car loan liable to lose his house since he’s a cosigner to a loan me and my dad took out.
Kinda confusing.
Registration, title and insurance are all different. Both you and your dad are safe provided that neither of you appear as the registrant. RJ
PS I don’t know the details of the transaction, but s**t happens and relationships end. You and/or your dad might want to consider holding title to the car and leasing it to your girlfriend. That way you are also protected in case your relationship sours. As registrant and insuring party, the buck still stops with her.
How can I get a car loan with a 645 credit score?
I was turned down by two credit unions today for a $3,900 auto loan. I am looking to buy a 98 Z28 for $5,000. I will be putting $1,100 down. I make $50k per year. The credit unions both told me my score was too low to approve the loan. Any suggestions on where to go to get a loan so that I can buy this car? Thanks!
Your best bet would be to get a car from a dealership. Many of them partner with sub-prime (high interest) finance companies and you will probably be able to get financing. Private financing from a bank or credit union is going to be out of the question unless your FICO is in the 700s (by product of economic conditions…those lenders have tightened standards considerably).
What does refinancing your car loan mean?
I’m sorry if this is a really dumb question, but earlier someone suggested I refinance my car loan, but I have no idea what that means. I looked it up online, and it said something about lowering your payment interest when you transfer to a new lender. Coudl someone please explain in detail what refinancing your car loan does? Does it lower the amount of money you pay monthly? And if so, does that mean I would have to pay for more months?
Refinancing an existing car loan is an easy process. A new lender pays off your old car loan, and the title is then transferred to that new lender. Your monthly payments are then made to your new lender.
People refinance to get a better interest rate, which means over the full time of the loan, you’ll end up not having to pay as much. Your monthly payments will be less, or the number of payments you have to make will be less, or both.
But here’s another idea – if you find that your car payments are really hurting your finances, consider just selling your car, paying off the loan, and then buying a cheaper used car with or without a loan. Yeah, you won’t have a flashy set of wheels anymore, but you’ll have a lot more money in your pocket.
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Car Loan Tips Before You Buy The Car
Auto Loan advice for the prospective buyer who need a loan to purchase a new or used car, or to refinance the car loan they now have, in order to lower their monthly payments.
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Sacramento Woman Now Homeless Living in Her Car with Her Family: Fraudulent Loan Suspected
http://www.TheRebelWomanShow.TV Jann Taber interviews Connie Hill. Connie had a beautiful home that she shared with her daughter and granddaughter. Now she is looking for safe places to sleep, in her car, with her family as she fights to get her house back. It’s been 2 years. Why was she evicted from her home? What happened? How did she get in this position. How are the Sacramento Kings involved?
Part 1 of a 3 part series
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Car Loans – You Get to Save a Lot on the Price of the Loan!
Many online money lenders are offering cheap auto loans so that you can buy a car or any other vehicle and still stay happy without having to worry about the interest. These loans are often confused as loans for cheap automobiles. This is not the case. You get the loan which is cheap in regards to the interest. There is not much difference in a normal car loan and a cheap auto loan. But unlike the normal car loan, you get to save a lot on the price of the loan.
Price here refers to the general items associated with a loan: the annual interest and other annual costs etc. In today’s market, where the competition is fierce, for more details visit to www.profit-pulling-niches.com it is not very hard to find out a good deal on these loans. However, many cheap loans have some hidden factors that ultimately prove to be the same as the normal auto loans.
It is highly recommended to read all the terms and conditions on the website or on the brochure. Focus specially on the fine print which may contain details about the additional annual costs against the cheap loans.
It does not matter much if your credit record is good, average, bad or even absent. You can apply for the loans. But preference is always given to the people having a good credit record. Even then, you will get some proportion of the entire loan you applied for. If you have good convincing skills, for more details visit to www.positive-idea.com you can get more money as loan. All you need to do here is to convince the money lender that you will be able to repay the money on time. It is not a good idea to hold back any ideas or weakness while showcasing your skills.
The process for applying for the loans is same: login to the website, fill in the application form, submit it and fax the documents requested. Some money lenders, offering cheap auto loans, do not even ask you to fax the documents. Also, the eligibility criteria are same: the applicant should be a US resident; he/she must have a regular income; and, should have an active checking account.
Paul Anndy
http://www.articlesbase.com/marketing-articles/car-loans-you-get-to-save-a-lot-on-the-price-of-the-loan-736977.html