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BRobb | Will Bank of America give me a small, SECURED loan with TERRIBLE credit? |
here is the scenario:
i want a motorcycle that is $4,000.
i have $3,000 cash in my pocket.
i have terrible credit and do NOT qualify for a loan.
i can afford to pay the $1,000 difference within 4-6 months, maybe even sooner.
SO,
if i present them with this offer, including agreeing to paying whatever insane amount of interest that they want, will they accept it?
obviously the bike's title would remain theirs until i paid it off, so if i didn't pay them back then they would re-po it and essentially have a free $3,000.
is there any reason why my bank WOULDN'T do this?
check my stats, i always select the best answer. |
 |
 
ebosgramma
 |
Bank of America does not give bad credit loans. Try going to a motorcycle dealership and offering the $3000 as a down payment they can get you financed for the other $1000 because they are in the business of dealing with repossessions and they will have no problem repoing your bike if you fall behind on your payments and have already paid off 3/4 of the bike. To them it is a win win situation. |
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folklore
|
Why not wait 4 months and pay cash. |
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jbeezz
|
Yes there is a reason. It's because they are a BANK and they don't need your business. Also with all of the foreclosures on houses they are loathe to lend money right now.
Can't you work out a payment plan with the seller for the balance? He could hold the title until it's paid off in full.
As you point out you have the largest part of the money and if you defaulted the bank (or the seller for that matter) would have the bike and be ahead.
The bike would be the collateral so they might actually give it to you but the only way to be certain is to apply for the loan. |
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Jason L
 |
Well, 1st off you should know that BOA is owned by the British, that's right Americans don't even run your banking institution called "Bank of America".
Next you should know that I have a credit card through them and I am military, it took me over a year and a half to get them to make the account right for military personell and this was after faxing my information 2 times and emailing throughout the year and a half, I eventually had to contact the BBB to get action taken but I would say that if you realy want something
EARN THE MONEY AND PAY CASH FOR IT!!
Anytime you buy on credit you put yourself at a disadvantage because the result is that you pay hunderds of dollars more for the item than necessary, unless you pay off the credit before the interest rate kicks in (but why would you need the credit in the 1st place of you could do that?).
Our nation operates on credit and wants Americans to remain in debt because it causes a steady stream of income for the institutions that caused the debt to you, and in turn they pay taxes to the government from the payments of your money so the government likes the end result. |
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Rod O
|
Not in this environment. You wouldn't qaulify under their lending guidelines. Right now, the loan officers can't go outside guidelines easily... |
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clarkzkent
 |
No.
Not with an outstanding balance and especially in this market.
Even if you were to 100% ccollateralize the loan with 100% collateral, i.e. borrow 4K with 4K cash as collateral.
They are 100% credit driven.
However, your personal banker can get it approved, if they wanted to.
When I had bad credit I tried to do the same exact thing at BOA in order to build my credit; they would not do it! |
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The Godfather
|
No |
|
Live your Life
 |
it takes half a year to make 1,000$?
you must be working minumum wage? that sucks man.
wheres all your money going? you live alone? you should move in with some friends so you can split the rent.
or find other ways to make easy cash. i steal things, it works pretty good |
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baserunner316
|
if your credit is BAD the last thing you need is another chance to ruin it. improve your credit by paying your bills on time. then when it's good, apply for a loan. |
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Madelyn
|
If you are thinking about getting a loan, then you should know about the basics before you get started. If you understand the basic dos and don’ts of loans, then you will be better equipped to find the best loan for your needs. Whatever type of loan you are applying for, you should follow these basic rules to help you find the best deal. When searching for a loan, it pays to do your research. Look for as many suitable lenders as you can, so that you can find the very best deal. There are many online pages that<!--allow you to compare loan rates from a variety of lenders. As well as looking online, check out your high street banks and mortgage lenders for deals too. You may find the loan that you need here,
http://best-loans.awardspace.com/
If possible, try and avoid taking out secured loans. If the amount you need to borrow is small or you have good enough credit to borrow without collateral, then do so. Although unsecured loans have higher rates, they are less risky because your home will not be at risk if you cannot make the payments.Try and take a loan out over the shortest period-->you can afford. Taking loans out over 10 years or more can be risky, and you cannot be sure what your financial situation will be at that time. |
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Grandpa Mac
|
You didn't say if you were Hispanic. It is my understanding that BOA will grant just about any size loan with no credit if you're Hispanic, especially if you're an illegal. |
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