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Questions About Financing New Vehicles

2253 messages,  Last post on Nov 18, 2009 at 12:07 PM

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#2189 of 2253 Re: Credit Restored with dings [mookie14] by volvomax Jul 01, 2008 (12:35 pm)
Replying to: mookie14 (Jul 01, 2008 10:01 am) As long as you don't have any more issues w/ Honda, or any of your other pieces of credit, you should be fine.
#2190 of 2253 Audi Premium Purchase Option by mctt Jul 23, 2008 (3:52 pm)
Can anyone share the pros and cons of Audi's Premium Purchase option? It is supposed to be a optioon of ownership with a balloon payment at end of term. Looking for any experienced advice. Thanks!
#2194 of 2253 Trouble getting financing by metroins Feb 05, 2009 (1:11 pm)
I am 24 and make about $78,000/year. I have been trying to purchase a new vehicle but am having trouble. I have a 638 credit score with 3 things in collections from 4+ years ago (medical bills, college total about 2.5k). I have never had a loan of any sort until last year when I went to purchase a house they told me I needed to get credit cards. I got 3 back in May (about $300 limit on each) and I pay all of my bills on time in full every month.   I tried to buy a new truck ($30,000 thereabouts) from Ford and GM; however, i was declined. I am trying to save my money for a house down payment and would not like to spend more than $3,000 down on a vehicle. I have no trade in, I will be keeping my current vehicle. If Ford and GM turned me down, what can I do now? A Co-signer is not available (well they offered, but it's more trouble than it's worth). Replies to this message: volvomax (Feb 05, 2009 3:30 pm) lrguy44 (Feb 06, 2009 9:49 am)
#2195 of 2253 Re: Advice [lrguy44] by metroins Feb 05, 2009 (1:18 pm)
Replying to: lrguy44 (Jan 28, 2008 12:06 pm) Well I got my FICO score last month from a bank. And I do not have a mortgage on my account yet, I was not able to purchase last year; I had to wait until I established lines of credit before I could purchase a new home.
#2196 of 2253 Re: Trouble getting financing [metroins] by volvomax Feb 05, 2009 (3:30 pm)
Replying to: metroins (Feb 05, 2009 1:11 pm) That low score is just killing you. First, I'd look at something cheaper. Second, you are gonna need some downpayment money. Third, I'd try to get pre-qualified w/ a lender like Capital One, or maybe a local credit union. Or try Toyota or Honda. No matter what, you gonna get raked over the coals on the rate, but there isn't anything you can do about that. Replies to this message: lrguy44 (Feb 06, 2009 9:49 am)
#2197 of 2253 Re: Trouble getting financing [volvomax] by lrguy44 Feb 06, 2009 (9:49 am)
Replying to: volvomax (Feb 05, 2009 3:30 pm) also no hgh credit is a deal killer on a 30k truck
#2198 of 2253 Need advice...buy now or wait? by cliffsr Mar 14, 2009 (4:57 pm)
I'm looking at buying a new car. Here's my situation. I filed bankruptcy almost 10 years ago. The bankruptcy will come off of my credit history in June. My credit score right now is 734. Is it going to make much difference if I wait until July for that bankruptcy to clear on my credit report when applying for a loan? Will my score go up much? I'm just trying to decide whether to buy now or wait until July. Thanks for the help ahead of time. Replies to this message: fezo (Mar 15, 2009 7:57 am) volvomax (Mar 15, 2009 11:39 am)

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