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In the United States?
Additional Details
Oh and anther thing, how common is it to have one person in the family making 8 times (approximatly) more than the other? (ex. mom making 12,000, ... |
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 I have decided to go bankrupt this week as i can not cope any more with debts, what advice can you give? |
if anyone has made them self bankrupt what will expect
i have no assets,
and no money in my bank account,
i have to do this due to marriage breakdown
i am worried that ... |
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A friend of mine wrote me a check a while back for $300. It was my share of our security deposit from our apartment. They had sent her the full amount instead of dispersing it.
Anyway, she ... |
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 What are you monthly outgoings?!? |
I seem to have extremely high monthly outgoings, literally it all adds up to £770 (rent, council tax, phone bill, elec, gas, car ins, gym, and other bills) excluding petrol and food.
Just ... |
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 If you were to win $3 million dollars in the lottery, is this enough money to retire on and work no longer? |
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The only major purchases ... |
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dorkynkool | If I am 18 will I be able to get an auto loan for $6,000? |
It's been about five months since I've had a job and I just now got my summer job so I will have a paystub in two weeks. I totaled my car and need a new one. My family can afford a car we just don't have the money up front. My mom can't get a loan because she just started her self employment at the beginning of the year and you have to have two years worth of w-4s when you're self emplyed to get a loan. My mom said they won't give me loan without a paystub so I am wondering if I just got my job does that count and will they give me one?
Additional Details
I don't pay insurance - my mom does. I can have people in my family co sign with me it's just three people in my family just recently switched to self employed ( the three with the best credit). This is like my fourth job only after this summer I will be quitting and moving two hours north for school where I will not keep a job. And the payment will not be made by me they will be made by my mom, she just can't get the loan. Thats why we bought her car two weeks before she went self employed. She makes 105,000 a year... paying for the car isn't the problem. We just don't have it upfront it will take about month to save for it with bills and all, especially since my mom doesn't want to soak up all our spending cash for a car..considering how important spending is to her. I've been driving for 2 and half years and this is my first accident and ticket... I think my driving record is fine considering everyone has accident and most in their first year of driving. |
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BH's brother
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Probably not without a co-signer. You usually need to have had a job for at least 6 months, and have some good credit. Be careful of places that want you to make weekly payments. They will come take your car if you are one day late on the payment. |
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SPIFIMAN1
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Auto finance is what I do for a living and sorry to say but most likely not.
All lenders I know of require 1-year on the job, 1-year at residence and $1,000.00 down to approve a first time buyer, plus your income has to be at least $1,300.00 a month before taxes.
Now I am talking about real lenders who report to the credit bureaus, you can always go to a buy here pay here lot and get a car but they are going to charge you twice what it's worth and not report your payments to the credit bureaus. |
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G
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i would go talk to them at the dealer -- it doesn't cost anything. i think they might approve a loan just for you but the interest will be very high. they are in business to make money so they look for ways to finance you even if its going to cost you a lot in interest. |
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Terry
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It's a bad idea at 18, and with your driving record. You'll never be able to afford the insurance, which is required when you take out a car loan.
I'd suggest just getting an old car - spend maybe $2000 at most - that will get you to work and back; or take he bus. At 18, you are far better saving for your future than spending money on a loan. |
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Smiley k
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In order to get a loan you need first need a work history. So I am not sure if this is your first job but you are going to have to show how much on average you make a month. So it would probably be best to work the entire summer before asking the bank for money. Besides even though you are 18 you are going to need a co-signer with a good credit history. (normally someone who is related to you.). THis will also give you low payments at least if they have good a good history. I would recommend maybe waiting til you have a little money for a nice size down payment and then check out your options. |
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~*Meg*~
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It all depends on where you are going to get it and whether or not you have any credit built up. It would not surprise me if they wanted you to get a co-signer. |
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Christian Betty
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They will want more than one paystub, and they will only loan you half or 3/4 of what the car is worth. You will also pay a high interest rate if you have no real credit rating. |
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Peter H
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Don't think you will be able to get the loan, but some auto dealers will APPROVE EVERYONE - but the interest will be SKY HIGH!!! Be careful, and read the fine print. Look for a dealer who will approve everyone, or go to your bank and try there. |
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