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 NeEd A LoaN? |
| Hello I have terrible credit!!! I am in a state of emergency and payday loans are not an option for me! Does anyone know who lends to people that are in my ... |
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1. Do they check that person's credit report/score?
2. Do they take that person's credit profile into consideration when they decide to approve/deny your application?... |
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emigirl6363 | If my credit score is 490, could I still be approved for a new car? |
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 |
 
sellout7s
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I don't think that's the greatest credit score, and most likely you'll be approved for a new car, but your interest rate will be high and your monthly payments may be too. I would recommend getting a credit card with a low interest rate (like an introductory rate offer of 0% for 1yr) and low limit. Use it to buy gas and pay it off monthly. Do NOT become dependent on that card and run yourself into debt. Then you're up crap's creek and that's no place you want to be even with a paddle. Personally, I'd wait and build some more credit and then go for that new car. Otherwise, with a high interest rate and high monthly payments, you risk getting your car repossessed. Then they garnish your wages until the car's paid for and you still don't have a car. Hope this helps. Check out that Suze Ormann. She's really a financially educated person who KNOWS what she's talking about! |
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joop14344
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if you have a co signer i would say yes. |
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RYAN B
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yeah at 30% intrest |
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*****
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That is pretty low, but for some like a regular car, it shouldn't be that much of a problem. Now if it is a house, we are tahlikng about, then I'd say you are in for a rough time getting a loan. |
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♥♥The Queen Has Spoken♥♥
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maybe but your interest rate will be high. |
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SPIFIMAN1
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Yes you can.
Find a dealer that advertises Special Finance and call them, the Special Finance manager will be able to help you.
Your income will be the deciding factor. With new cars being so expensive you may be limited to a good used car. But with a 490 score, anything will help your credit as long as you pay as agreed. |
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coven-m
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This is a bad time to try to buy a new car, especially with bad credit. If you can get a co-signer, great, if notyou'll be better off getting a reliable used car, improving your credit, and getting a new car in a few years when your credit is better. |
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You ask, I answer
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very high rate. i doubt it. if a company checks your credit, and turns you down, then it affects your credit score, lowering it. just be careful picking the car place, or go to a bank and get pre-approved. |
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Rosanna
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Probably not. Five and a half years in the sub prime USED car business tells me you MIGHT get a Pinto at 29%. |
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RICHARD S
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not in this life |
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Jennifer J
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They might ask you for a cosigner....it will help if you have a good job, but they are still gonna give you a really high finance rate. I am going through the same thing right now. GOOD LUCK! |
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DaMan
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With a 490 credit score, the only thing you can get approved for is a new way of life. |
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?
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they claim they sale to anyone. |
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