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#6 of 25 Re: who has the best rates for used or new cars? [joel0622]
Oct 17, 2007 (8:17 am)
I noticed that from the costo site the capital one rates are better, is that true? we don't have a costo in town though.
#7 of 25 Re: who has the best rates for used or new cars? [casolorz]
Oct 17, 2007 (8:29 am)
You don't need a costo (whatever that is) to finance with them. Just go here cap one and apply. Now if your credit is a little weak which I am assuming it is due to the fact you think you can't get financing at the dealer (the easiest place to get it)don't think you will get the published rate on there site, it will be higher.
#8 of 25 Re: who has the best rates for used or new cars? [joel0622]
Oct 17, 2007 (9:06 am)
We have credit on the mid 600s, but from what I have read honda financing (trying to get an acura) is pretty picky.
#9 of 25 Re: who has the best rates for used or new cars? [joel0622]
Oct 17, 2007 (9:24 am)
You don't need a costo (whatever that is
Costco is the same thing as a Sam's Club.
#10 of 25 Re: who has the best rates for used or new cars? [greanpea68]
Oct 17, 2007 (9:37 am)
Yeah but sams doesn't seem to have rates as good as costo, of course I have a sams card cause there isn't a costo in town.
#11 of 25 Re: who has the best rates for used or new cars? [casolorz]
Oct 17, 2007 (9:41 am)
You are basing things off of there best published rate though. If there are some discrepancies in your bureau those published rates may be useless to you.
Feb 11, 2008 (2:43 pm)
A national newspaper is looking to speak to consumers who have had a tougher time getting a car loan recently. Please respond no later than Feb. 15 with your daytime contact information to Chintan Talati at ctalatiedmunds.com.
Apr 15, 2008 (5:46 am)
A reporter from a large daily newspaper hopes to speak with consumers who have had difficulty obtaining credit for a vehicle purchase. If you’ve had difficulty, please respond to ctalatiedmunds.com with your daytime contact information no later than Friday, April 18, 2008.
May 23, 2008 (7:01 pm)
Hi all...we are in need of a new car but are in the process of rebuilding our credit. We really need the car ASAP as ours is about to die.
Here is the situation: Fico credit scores range from 515-548. We have 2 good car accounts with never lates on one or two of the reports (i think TU and EXP and not EQ) from about 1999-2000 that were paid in full, as agreed.
On ALL THREE reports we have several collections accounts, all over 2 years old and one of those is for American Gen. Finance where we took out a title loan. It shows a $0 balance/sent to collections status as a finance loan with a $550 balance.
Again, most of our bads are at least 2 years old and nothing has over $700 account balance. Many of the bads are medical bills from 2 years ago when I got very sick and had to have surgery. Our finances went way down during that time...which was the reason for the title loan and not being able to pay it back
Anyway, do we stand ANY chance of getting financing from anywhere? We bank with Wachovia and did call them and apply and got a big, fat no.
We found a Honda Pilot-2008- with only 5 miles on it for $24888.00. Is there any hope for us?
Thanks for any help you can give.
#15 of 25 Re: Need advice-urgent [needtofinance]
May 23, 2008 (8:08 pm)
"Thanks for any help you can give."
Pay your bills.
" Many of the bads are medical bills from 2 years ago"
Buy health insurance instead of SUVs.
"We found a Honda Pilot-2008- with only 5 miles on it for $24888.00. I"
Buy cheaper cars instead of SUVs. Imagine for a moment that by some fluke, you are able to "buy" it. Are you then going to stiff your creditors for the gas bills?
"Is there any hope for us? "
Only if you learn to live within your means.