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billys_office | Car Credit Problems? |
I have bad credit history
I need a car for work
What are recommendations on how or where to obtain car financing ?
thank you |
 |
 
dan
|
first off Never use a buy here pay here. Most of them do not report to the credit bureau. They can charge you any price they want and the states max in finance charges. First buy a copy of your credit score on-line and take it to a loan officer (at your bank) and have them review it. Regardless If it is as bad as you think, he may have some answers for you. Your next step is to get pre approved before you car shop. You can do this by going to lenders like American General, or look them up in the yellow pages. Stay away from on line approvals because they tend to shop your credit around and end up lowering your credit score. Most secondary lenders will approve you if you have a good story as to why your credit is bad. I just didn't want to pay wont work but lose of a job or divorce might be understandable. finally you will pay a high interest rate (16-33%) so try and get a short term loan(12-24mts) and you may have to settle on something you dont care for in the short term (a kia rio instead of a toyota 4runner) |
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forex learn
 |
Its true that bad credit can follow you around
no one seems to tell you all they know
ask for your credit history from equifax or other major firms
they have to give it to you - even if they not
go down the list
see if you can repay any creditors or come to terms with them
try to live in one residence for at 2 years, try to keep your job for that time period
deal with one bank branch
try to meet the manager
take out small loans - even $ 250
They will charge you the minimum fee and be thrilled at the profit
Try to get a charge card. Often they will give you one that you put a pool of cash in first
Run a small balance at first
Always always pay it off
The key is consistency to build back your credit record
I was in your situation and got help and a lot of the ideas above from Second Chance Financial
www.secondchancefinance.ca
I do not know if they are in your area as well |
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Dr. Deth
 |
are there any places around you that do their financing? - "buy here - pay here" - you pay weekly or bi-weekly - larger down payment need and used cars only - but hey-. My first car loan 2 yrs after bankruptcy (a one year old car) took a little doing for the dealer to find financing for me, but he did - pretty high rate though - I only had $500 to put down on it - talk to a dealer and see what they say |
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SPIFIMAN1
 |
Auto finance is what I do for a living and you need to find a dealer that advertises Special Finance and go talk to the Manager, they can help you. |
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Amanda
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Hertz sells used cars and they will work with you if you have bad credit. And they also let you make payments on your down payment to them. |
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united9198
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I suggest that you find a bad looking beater that runs good and drive that while you are saving for a better car. |
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Mildred Michalczyk
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Pay cash for a used car, and buy privately. If you can, try and straighten out credit problems by paying off debts or settling them. Try paying debts on time from now on. If you have a really good job, you can sometimes buy a new car from a dealer at a very high interest rate. However, this may get you in more trouble. |
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Mac Boswell
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Save up a large down Payment..
Also clear up some of your Debt's and get right with your creditors. That would up your credit score. |
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Helper
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I suppot united. Get a used car that runs ok. |
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