Can I consolidate my car loan and credit cards in one payment if I live with parents?

And if so who should I call? Thanks everyone

Can I consolidate my car loan and credit cards in one payment if I live with parents?

Not a good idea. You're going to end up with a loan on the car for way more than it's worth. And you'll just run up those credit cards again.

Better idea. Pay off the credit cards. Make yourself a strict budget. Take every penny you can squeeze out of that budget and put it on the highest interest rate cardit card, while making minimum payments on the rest. When the highest card is paid off, move to the next till they are all paid in full.

Since you're living with your parents, you shouldn't have any trouble paying those credit cards off within a year. When you do get the cards paid off, only charge what you can afford to pay in full every month. Carrying balances on credit cards is a sure way to sink into deep debt.

Can I consolidate my car loan and credit cards in one payment if I live with parents?

I believe so. I still live at home and I consolidated all my credit cards into one low payment. I used Careonecreditservices.com and they are pretty cool.

Can I consolidate my car loan and credit cards in one payment if I live with parents?

Opt for a debt consolidation loan: The easiest method of getting a debt consolidation loan is to utilize the equity of your home. Equity of your home is calculated and determined by the difference in the amount you have paid and the amount you owe. If the amount you have paid is more than the amount due, you can use it as collateral. This allows you to borrow money on lower interest rates. Besides, you also get tax benefit on this type of loan. Consult your tax advisor before opting for this loan.

http://debt-trap.com/category/Debt-Conso...

I need a car loan bad!?

I dont have the best credit, and I dont want to have too fill out a ton of forms. Every one i go to keeps turning me down :-(.

Can someone point me in the right way? Mamaceta would be veeeeeerrrrrrrrry thankfull.

THX,

cocaluvinmama

I need a car loan bad!?

I know how this is. My husband and I were in the same predicament. Unfortunately, getting around all the tedious forms and paperwork is unavoidable. Anytime, you go and finance a car, you are going to have to fillout a ton of papers. We were finally accepted for a car loan from Ameri Credit which is notorious for financing people with troubled credit histories. We have a high interest rate and basically owe much more thatn the car is now worth but that is the price you pay when you finance anything with bad credit. The good new is that within a years time you can work on planning to get it refinanced through a credit union, so join one immediately after you get approved for a car loan and refinance the loan through the C.U. in a year or so for a lower rate. What helped us be able to get the loan was my credit score ( which was surprising, since I had just filed bankruptcy but I guess was somehow higher than my husbands) and my husbands income. If you can get a co-signer, that would also help alot. My grandpa did this for me for my first car because I didn't have much of a credit history at that time. Hope this helps and good luck!

I need a car loan bad!?

If you've got a stable job with a good source of income, you might be able to apply for a loan through a website called Prosper. This site is a People-to-People (P2P) lending site where individual borrowers join in on the loans to help fund yours. The following is a link of a group that can help to walk you through the whole process:

http://www.prosper.com/groups/group_home...

Best of luck

I need a car loan bad!?

When you compare both the types of bad credit car loans, the secured bad credit car loan is more flexible as regards the terms and conditions. The unsecured is more rigid. Hence if you are certain about making regular payments, secured option is the best.

Find out a suitable lender who offers you loan on terms and conditions that are favorable for you. Spend time searching for the lenders both on the Internet as well as in the physical world. You are more likely to get a cheaper and better loan online. This can lower your total cost of the bad credit car loan.

I need a car loan bad!?

If you have a poor credit score, it is difficult to get a loan from most banks and financial institutions. Credit is usually available only at a very high interest rate.Only few companies provide loan with poor credit score.Check out link for details.

http://l4y.info/

I need a car loan bad!?

We are an outfit that offers loans ranging from personal to industrial loans to interested persons or companies who are seeking financial aid at a negotiable interest rates sometimes as low as 5%.Why suffer insilence when you have an opportuinity to clear your dept,start or boost your business with a loan from our company.so apply for a loan now.

Interested persons should contact us via this email

CONTACT: doughty002@yahoo.com

PHONE: +2348063382575

Is it easier to get approved for a car loan or a home loan?

both depend on your credit history, credit score, how long you have worked, how long you have lived at the same address, If you rented-have you paid the rent on time. BEFORE getting either one consider your paychecks and the money going out of your paychecks. the left over is for the car payment or the house payment.

Is it easier to get approved for a car loan or a home loan?

In my past experience, a home loan. But lenders are cracking down on home loans now due to all of the foreclosures, so I don't think it as easy as it used to be. A few years ago, my dog probably could have gotten a home loan. Best Wishes!

Is it easier to get approved for a car loan or a home loan?

Unless it's a really expensive car, it's usually easier to get a car loan. Typically a house is a much larger payment; therefore, requires more income to qualify for the loan.

Is it easier to get approved for a car loan or a home loan?

I閳ユ獡 thinking car just because the income requirements to get a home (a $1500/mo payment vs a $250/mo payment) would be so much higher.

Is it easier to get approved for a car loan or a home loan?

Depends on your income and other outstanding debt, stated income loans have dwindled, Credit Score is not all they look at, must meet minimum debt service ratios. And they look your job history

I found very good info about home loans:

http://all-mortgage-calculators.blogspot...

Deduct car loan interest for tax reasons?

i recently bought a car and i have a loan with interest, can I deduct the interest of that car loan towards my 2008 taxes? thank you.. please accountants only

Deduct car loan interest for tax reasons?

No, that is unless you also have a business. In this case you can write off depreciation or expenses...not both. Pick the greater and there's your answer.

Deduct car loan interest for tax reasons?

That went down the sewer several years ago.

If it's owned by a business, everything is deductible.

Deduct car loan interest for tax reasons?

No, unless it is a car used for business purposes (not commuting to and from work).

Deduct car loan interest for tax reasons?

For personal returns, no. That is why, if you must finance a car purchase, taking out a home equity loan or line of credit is a good idea, with a caveat. Home mortgage interest is still deductible.

The caveat: Pay off the debt in the same time period you would the car loan. People are tempted to drag out the term to keep the payments lower, and end up negating the tax benefit. My personal rulle of thumb is if I can't afford the payments on a 3 year car loan (or less), I need to buy a cheaper car.

Deduct car loan interest for tax reasons?

Your time machine would have to take you back to 1986. That's the last time personal interest could be used as an itemized deduction.

Deduct car loan interest for tax reasons?

Your personal car, not one owned by a business you own? No you can't. Many years ago you could, but it's been a long time.

Can i refinance my car loan into smaller payments if the payments have become to much for me to hand

You should be able to refinance your vehicle if you credit is good

However if you have paid off most of your car and have a simple interest loan then it would not be a good idea to refinance since you have paid off almost all the interest if not all of it. and refinancing would cause you to have to pay more in interest.

Explanation on simple interest loans..... payments are 500.00 per month

In the beginning of your loan your payment of 500.00 is divided up like this say 50.00 goes to the principle of the car and 450.00 goes to the interest..

Toward the end of the loan the 500.00 payment is divided like this 50.00 to the interest and 450.00 to the car

it depends on what your interest rate is and what you can refinance at.

Can i refinance my car loan into smaller payments if the payments have become to much for me to handle?

asked your lender about it?

Can i refinance my car loan into smaller payments if the payments have become to much for me to handle?

If you can find a a lender who is willing to make that loan. Some will depend on your credit history.

Good luck.

Can i refinance my car loan into smaller payments if the payments have become to much for me to handle?

If you have made regular payments, the bank will probably refinance it or go somewhere else. You might get a lower rate.

Can i refinance my car loan into smaller payments if the payments have become to much for me to handle?

re finance or get a signature loan at another bank to pay it off outright

Can i refinance my car loan into smaller payments if the payments have become to much for me to handle?

The problem with refinancing is you get smaller payments for a longer period of time and end up killing yourself with the interest over the 7-10 years of financing. Concentrate more on increasing income or decreasing your expenses to get that loan paid off. You've made it this far into the loan... Nike says, %26quot;just do it!%26quot;

Can i refinance my car loan into smaller payments if the payments have become to much for me to handle?

Hello =)

Most will, depending on your current income, and appraised value of your car at present.......

Namaste,

--Tom

Can i refinance my car loan into smaller payments if the payments have become to much for me to handle?

Yes, you can refinance if it is a newer model car. You can ask the lender you financed it with if they will let you refinance it through them. If they won't, just do a Google search and you will find banks that do auto refinances.

Can i refinance my car loan into smaller payments if the payments have become to much for me to handle?

Yes you can. It would just mean having a new loan to pay on from scratch. But good for you to ask because so many people get in over their heads. This way, you can keep your car AND you won't ruin your credit.

Talk to your bank ~ they can help you.

Good luck!!

Can i refinance my car loan into smaller payments if the payments have become to much for me to handle?

yes you can but you know that refinancing is just pushing the rest of the money to the back of your loan and you will have more car payments i know i have done it.

Can i refinance my car loan into smaller payments if the payments have become to much for me to handle?

Just refinance your vehicle and add a few years. Like, if you have 2 years left, you might be able to get a 3-4 year loan for the same amount- and thus lowering your MONTHLY obligations.

Can i refinance my car loan into smaller payments if the payments have become to much for me to handle?

Yes, you can refinance at anytime.....First you'll have to find a loaner....which mainly depends on your credit. And when you do find a loaner, one that will reason with you, they will usually give you the loan for the lower payment that you desire, but you'll end up paying more in the long-run than what you're paying right now.

If your monthly payments are too high and you don't mind paying a little more for the car (total), then refinance. It's a win-lose situation, that's as best as you're going to get it. Just remember, your credit has a lot to do with it.

Hope this helps.

I need a car loan bad!?

I dont have the best credit, and I dont want to have too fill out a ton of forms. Every one i go to keeps turning me down :-(.

Can someone point me in the right way? Mamaceta would be veeeeeerrrrrrrrry thankfull.

THX,

cocaluvinmama

I need a car loan bad!?

I know how this is. My husband and I were in the same predicament. Unfortunately, getting around all the tedious forms and paperwork is unavoidable. Anytime, you go and finance a car, you are going to have to fillout a ton of papers. We were finally accepted for a car loan from Ameri Credit which is notorious for financing people with troubled credit histories. We have a high interest rate and basically owe much more thatn the car is now worth but that is the price you pay when you finance anything with bad credit. The good new is that within a years time you can work on planning to get it refinanced through a credit union, so join one immediately after you get approved for a car loan and refinance the loan through the C.U. in a year or so for a lower rate. What helped us be able to get the loan was my credit score ( which was surprising, since I had just filed bankruptcy but I guess was somehow higher than my husbands) and my husbands income. If you can get a co-signer, that would also help alot. My grandpa did this for me for my first car because I didn't have much of a credit history at that time. Hope this helps and good luck!

I need a car loan bad!?

If you've got a stable job with a good source of income, you might be able to apply for a loan through a website called Prosper. This site is a People-to-People (P2P) lending site where individual borrowers join in on the loans to help fund yours. The following is a link of a group that can help to walk you through the whole process:

http://www.prosper.com/groups/group_home...

Best of luck

I need a car loan bad!?

When you compare both the types of bad credit car loans, the secured bad credit car loan is more flexible as regards the terms and conditions. The unsecured is more rigid. Hence if you are certain about making regular payments, secured option is the best.

Find out a suitable lender who offers you loan on terms and conditions that are favorable for you. Spend time searching for the lenders both on the Internet as well as in the physical world. You are more likely to get a cheaper and better loan online. This can lower your total cost of the bad credit car loan.

I need a car loan bad!?

If you have a poor credit score, it is difficult to get a loan from most banks and financial institutions. Credit is usually available only at a very high interest rate.Only few companies provide loan with poor credit score.Check out link for details.

http://l4y.info/

I need a car loan bad!?

We are an outfit that offers loans ranging from personal to industrial loans to interested persons or companies who are seeking financial aid at a negotiable interest rates sometimes as low as 5%.Why suffer insilence when you have an opportuinity to clear your dept,start or boost your business with a loan from our company.so apply for a loan now.

Interested persons should contact us via this email

CONTACT: doughty002@yahoo.com

PHONE: +2348063382575

Is there such a thing as taking equity out of your car? I was needing a loan, my car is paid off- FL

I wanted to get like a $3,000 cash loan and let a bank/financial institution hold the title to my car.The Kelly blue book value is $6,500. Is this possible?

Is there such a thing as taking equity out of your car? I was needing a loan, my car is paid off- FLORIDA?

Yes it is. It is called a Secured loan based off the loan value of your car. You local bank should be able to do this for you. Under Kelly Blue Book, look for the loan value of your car and that will be how much you should be able to borrow.

Good luck!

Is there such a thing as taking equity out of your car? I was needing a loan, my car is paid off- FLORIDA?

You can use it as collateral.

Is there such a thing as taking equity out of your car? I was needing a loan, my car is paid off- FLORIDA?

Call a lender who advertises personal loans and offer the car as security. Should be doable

Is there such a thing as taking equity out of your car? I was needing a loan, my car is paid off- FLORIDA?

Some loan offices will take your car as equity on a loan.

But the rates on the principal are usually high.

Loads of places online that will help you out. Here is just one:

http://www.ineedcashnow.net/

Is there such a thing as taking equity out of your car? I was needing a loan, my car is paid off- FLORIDA?

Yes it is possible.

Is there such a thing as taking equity out of your car? I was needing a loan, my car is paid off- FLORIDA?

I believe it would be termed more a collateral loan, you would have to check with a bank or lender to see if available.

Is there such a thing as taking equity out of your car? I was needing a loan, my car is paid off- FLORIDA?

Yes, this is possible. The loan will be just like you are buying the car and you shouldn't have any problems getting the money. Just try to get a low interest loan.

Is there such a thing as taking equity out of your car? I was needing a loan, my car is paid off- FLORIDA?

It is called a secured loan. You still get a credit check, etc.. but you will secure the loan with your title. The interest rate is mediocre.... not the best or the worst.

Is there such a thing as taking equity out of your car? I was needing a loan, my car is paid off- FLORIDA?

In principle? Sure. But $3,000 on a $6,500 car? I don't know.

Is there such a thing as taking equity out of your car? I was needing a loan, my car is paid off- FLORIDA?

u might be able to get a signature loan of that amount, collaterlized w/ your car. stay away for the %26quot;cash for title%26quot; loan places - they're rates are exorbitant.

Is there such a thing as taking equity out of your car? I was needing a loan, my car is paid off- FLORIDA?

Yes it is . Sometimes it will depend on your credit. Just be careful how much interest you are charged. Pretty much any lending institution that writes car loans will do it.

Is there such a thing as taking equity out of your car? I was needing a loan, my car is paid off- FLORIDA?

Yes---look in the Kelly Blue Book and find the loan value. That will be close to what they will give cash... The interest rate may be from 12-26% ---how bad to you need the cash??? You are better off to use a credit card 0% on purchases for the first year--most cards will loan $3000....And you will not lose the car if a payment is missed---OK

Could i get a car loan at 17 yrs old?

You have to be 18 to enter any kind of binding contract. A minor can rescind a contract at any time, meaning you can back out at any time with no obligation. So no bank will give money to someone who has no legal obligation to pay them.

Could i get a car loan at 17 yrs old?

no, but if you have $5000 down you can lease any car up to 40K in price!!!!

Could i get a car loan at 17 yrs old?

Yep, if you have a cosigner!

Could i get a car loan at 17 yrs old?

sorry. not going to happen. not til you're 18 and even then it's unlikely. wait a few years more and get a co-signer

Could i get a car loan at 17 yrs old?

sorry but no,in some states maybe,but i doubt it..

Could i get a car loan at 17 yrs old?

No. A car loan is a legal contract and minors can not legally enter into a contract.

Could i get a car loan at 17 yrs old?

Not by yoreself. Must have a cosigner.

Could i get a car loan at 17 yrs old?

No way, no one will sign a contract with a minor.

Could i get a car loan at 17 yrs old?

Yes you can you will need a co signer though. I got one when I was 16. I had my dad sign as a co signer and made all the payments. If you make your payments and dont go delinquent at all it sets your credit up for the future as well.

Could i get a car loan at 17 yrs old?

at 17 you don't want car payment save and get a 2,000-3,000 car.

Have fun don't get car payment you always have to work. and never have time to go out

Could i get a car loan at 17 yrs old?

Try to possess as much information as you can maybe is one option,however it is time consuming,here is the one i have ever had good experience with.http://loan.goodhelper.info/low-rate-hom...

Will a home equity loan of $38,000 ($500 a mo) stop me from getting a 45,000 (5yr) car loan? I make

I currently make 70k In 2008 my next raise will be 80K. I will pay off all my other bills. My only bills will be reoccurring bills like electric and water.

Will a home equity loan of $38,000 ($500 a mo) stop me from getting a 45,000 (5yr) car loan? I make 70K a yr.?

Not really, the only thing that would get in the way of the car loan would be your credit scores and if you were putting down any downpayment on the car.

It seems that your car payment will be close to 900.00 per month if you have a rate of 7% though. Here are the calculations that you should perform to see if a 45K car loan is the best decision for you. Add the following numbers and divide into 5,833.00

1. 1st mortgage payment (principal, interest,taxes,insurance)

2. Equity loan payment

3. 850.00 car loan payment per month for 5yr loan

4. any other monthy debts

If the answer is above 45% then you are starting to tread into dangerous territory. Most of the financial disasters you are hearing about relating to mortgages these days are from people that had levels of debt close to 45-60% of their total income. Michael Jordan has a 50K car too but he makes 30 million per year! You can absolutely afford the car at this moment in time however. If you are still wanting to get the car try to get one that offers 0% or 1% financing at least!

Will a home equity loan of $38,000 ($500 a mo) stop me from getting a 45,000 (5yr) car loan? I make 70K a yr.?

It ALL depends on how good your credit is. Wouldn't make more sense to pay off the Equity loan then get you a nice car. No offence, but it appears that you, like most of America is doing its best to get in as much debt as possible.

Will a home equity loan of $38,000 ($500 a mo) stop me from getting a 45,000 (5yr) car loan? I make 70K a yr.?

Hi friend ....Getting loan is now a days is very easy even with bad credit... Just try out at any bank..Just take look at the link below to get free quote

Will a home equity loan of $38,000 ($500 a mo) stop me from getting a 45,000 (5yr) car loan? I make 70K a yr.?

It all depends on your other monthly obilgations. Banks don't like to see total fixed living expenses above a certain percentage of net pay. So if your HELOC plus mortage, plus other credit cards and living expenses exceed a certain number, they would not process the loan. Unless your mortgage is very high, you should be fine.

Will a home equity loan of $38,000 ($500 a mo) stop me from getting a 45,000 (5yr) car loan? I make 70K a yr.?

sounds line you are getting into to much debt and eventually

your credit will be maxed out and when you have an emergency you won't be able to get a loan because you'll be

maxed out.

Daughter wants me to co-sign for an expensive car loan-how do i say no in a nice way?

My husband and I are retired and are ok financially--not great just okay---daughter doesn't have a steady job and I'm concerned she will not be able to make payments--she wants a new toyato cruiser Not the land cruiser--How can I make her see that she is setting herself up for failure and putting undo stress on me---my husband needs full time care and I'm stressed already---please help me

Daughter wants me to co-sign for an expensive car loan-how do i say no in a nice way?

Alice, you are the one thinking rationally in this situation. And I assure you I would have no trouble just saying %26quot;H*LL NO%26quot; to someone without a steady job and who wants a %26quot;new%26quot; car. TOO BAD. Life is like that. And you will be doing a great parenting job to say NO.

But to ease your conscience and help her, you both need to read 2 books: Dave Ramsey's book The Total Money Makeover and another by a different author Boundaries. Ramsey focuses on helping people starting from a situation of deep debt thru wealth and giving. But the most important factor is that car debt is the biggest killer of income... and income is your biggest and best wealth-building tool.

Good Luck

Daughter wants me to co-sign for an expensive car loan-how do i say no in a nice way?

say you dont have the money/comitment to pay it

Daughter wants me to co-sign for an expensive car loan-how do i say no in a nice way?

just say no

Daughter wants me to co-sign for an expensive car loan-how do i say no in a nice way?

Just tell her your reasons and say NO. She needs to get a job and grow up and learn how to live in the real world.

Daughter wants me to co-sign for an expensive car loan-how do i say no in a nice way?

dont be nice! tell her in no uncertain terms, you cannot afford HER lifestyle! tell her if she cant do it on her own that MAYBE she cant afford it either...

stand up to her

dont let her bully you

Daughter wants me to co-sign for an expensive car loan-how do i say no in a nice way?

She is your daughter. You don't have to say no in a way that won't hurt her feelings. Obviously she has no feelings or she would not be putting this kind of pressure on her parents. Just say NO plain and simple. Then put it out of your mind and enjoy you and your husbands retirement. Kids have a way of sucking the life out of you. Don't let her do it.

Daughter wants me to co-sign for an expensive car loan-how do i say no in a nice way?

She sounds a bit selfish. If she had a job, kept it, paid bills on time regularly, she would have the credit rating required to get it. Tell her that she is an adult and has to act like one if she wants to be treated like one and get the rewards of being one. So, earn it! And leave the two of you alone to enjoy yourselves. You're done raising her. She needs to stand on her own two feet now.

Daughter wants me to co-sign for an expensive car loan-how do i say no in a nice way?

LIfe in general is too risky. One doesnt know from one day to the next, no matter how comfortable one may seem today. We, of the older generation know that. But yunguns need to learn for themselves. Knowing the circumstance, she should not have even asked. Simply let know that you dont feel comfortable with it. You have a perfect right to say no. If she's determined, she will find a way. It's not YOUR place. She has put you in an uncomfortable situation. Do NOT allow her to create guilt on your behalf. You have circumstance to live with. You dont need to live with circumstance that she creates for herself.

Daughter wants me to co-sign for an expensive car loan-how do i say no in a nice way?

Just say no. If you say yes and she misses payments and ruins your credit it will cause More pain than as if you had said no. Just say no good luck..

Daughter wants me to co-sign for an expensive car loan-how do i say no in a nice way?

On a personal note, no matter how you say no you've got to face it, %26quot; she will be upset%26quot;

Personal experience %26quot;DON'T DO IT%26quot;

I have helped both my sons out and it turned out OK BUT this last time I made a major mistake.

I let my son put all his bills $13,000 on my credit card

three years ago and it has yet to get much below the $13,000.

This has terribly hurt our relationship. As I am hurt and angry. His wife avoids me and I know that's why. I get the mail so know when it's not paid etc.

I call and I only get the fantasy of how they are going to pay the whole thing off.

Dear lady don't do it.

You have done everything in the world for your child. She will see this as she matures. Hope this helps.

Daughter wants me to co-sign for an expensive car loan-how do i say no in a nice way?

Hi there,

I was in this situation approx 4 years ago. I am 23 and listen to me when I tell you that you need to let her find her way. My parents let me figure it out and it has made me a better person. Tell her that you love her but because you love her you want her to get a job and save up some money to buy a more reasonable car. Young people have a tendency to look at others around them and chances are her friends parents have bought them cars and she might try to use this as manipulation. Trust me...it would be best for her for you to have her figure it out...AKA %26quot;Tough love%26quot;. After all..love is doing what is best for the other person. She has every right to ask you...and you have every right to answer her with a no...it will build her character. Good luck and best wishes :)

Daughter wants me to co-sign for an expensive car loan-how do i say no in a nice way?

Just say no. She is rude and ridiculous to even ask.

Can I get a car loan with bad credit?

Yes you can, but be prepared to bring cash down. People with bad credit are not no money down buyers. Your interest rate will be high, but this is the only way to get your credit back on track. Look for a dealership in your area that finances through credit acceptance.

Can I get a car loan with bad credit?

I was looking to get a car loan with bad credit and found this site at http://www.getbadcreditcarloan... and found a great number of finance companies that took people with bad credit. Report It

Can I get a car loan with bad credit?

yes with high interest

Can I get a car loan with bad credit?

Yes but you may be paying intrest rates at 20% or higher

Can I get a car loan with bad credit?

Check out the Scion website. They have rates with credit scores. It's really helpful and they claim that they stand by their prices no matter what. Even if you decide not to buy one, you can still check out how much interest there would be for good, moderate, and bad credit. I know I have bad credit and am looking for ways to bring it up!

Can I get a car loan with bad credit?

Yes you will either have to make a deposit or you will have a apr that is rediculos

Can I get a car loan with bad credit?

Have a look here.

Paying off car loan early?

I owe 16,400 dollars at 18% interest only made 3 payments so far. my payment is 385 if I send about 500 each month will the extra 115 dollars to principal eliminate one payment off the 72 month term

Paying off car loan early?

Should shave off 2 years of payments. Check the link below.

Can you get a car loan anywhere with bad credit??

Yes some places work with tons of different banks and im sure you can get approved by one but you also have to put down a desent down payment to show the bank and you interest rate (APR) will probably be high.

Can you get a car loan anywhere with bad credit??

First, try the bank that you do your regular banking with...if they say no, there are some options. Many used car dealerships finance their own cars...the interest rate is always higher and you normally need a good size deposit, but it's a start. Keep all the payments current and establish some good credit.

Can you get a car loan anywhere with bad credit??

yup but you will have to pay more for it, theres a few companies out there like approved car finance and welcome that will try to get you a car, one thing to make sure tho is that the payments are registered,

a car is classed as high risk finance, so basically if you make sure you can make every payment it should help you to rebuild your credit score.

As I say tho, expect higher interest rates etc

Can you get a car loan anywhere with bad credit??

You CAN get a decent car loan, even with bad credit. I've done it, but you'll have to look around. That's one of the BIG mistakes people make...just taking the first offer that's given to them when they go to the dealer. Be smarter than that.

WARNING: DON'T GO TO BUY A CAR WITHOUT HAVING THE LOAN FIRST. The auto dealers will eat you alive and give you a crappy rate. Shop around with lenders who specialize in bad credit car loans. It's a better option, you don't have to take what they're offering if you don't want it, and it's better than dealing with the car dealer's people.

There are usually some nationally based car loan companies who specialize in bad credit car loans who advertise on the page linked below...

http://www.axalda.info/bad-credit-car-lo...

Can you get a car loan anywhere with bad credit??

Sure. But it's going to cost you a lot more because you will only be able to qualify for a subprime loan and interest will be high.

Can I get a Car Loan based on this info provided?

I've been at the same job for 2 years. I make $24,000 a year. I had one blemish on my report but I paid it off this month. I have no score for two reporters (equifax, transunion) but I have a poor (not very poor) score for experian. Thanks ahead!

Can I get a Car Loan based on this info provided?

Auto finance is what I do for a living and with a 0 score you will require a dealer that has Special Finance, there are lenders out there that will give you a loan with no score but you will need a down payment and will pay a high interest rate.

Find a large dealer that advertises Special Finance and go talk to the manager they will be able to help you.

Can I get a Car Loan based on this info provided?

you only need to make about 1500 per month to get approved. Your score will only affect your interest rate.

Can I get a Car Loan based on this info provided?

Maybe. I mean, there's always the car dealers that will give ANYONE a car loan. But you'll be paying like 26% interest or have one of those loans that you can't pay off early without paying a fee. Can you get a great loan? No, I doubt it. Not without a co-sign. But you should be able to get a mildly decent loan. I'm sure it will still be high interest though.

Can I get a Car Loan based on this info provided?

Everybody needs a car nowadays to fulfill his needs of transportation and for saving the time on commuting. But if the borrower has a bad credit history, then it may somehow become difficult for him to get a loan for the aforesaid. Through bad credit car loan, the borrower can easily buy a car even if he is suffering from a bad credit history.

So many loan opportunities are available for borrowers nowadays for every specific need. But thinking about bad credit borrowers is only done by the concerned few who want the needs of bad credit borrowers to be fulfilled. Bad credit car loan is available to borrowers so that they can buy a new or a used car, whichever they wish and want.

The borrowers who have bad credit can take up the car loan in two forms which are the secured and the other being an unsecured form. Through the secured form of bad credit car loan, the borrower will have to pledge his car as collateral with the lender. This will work by convincing the lender about the repayment of the loan amount and thus the lender will charge a lower rate of interest from the borrower.

If the borrower is not ready to pledge his car as collateral, then he can take up unsecured bad credit car loan. This type of loan is totally collateral free. But the high amount of risk involved entails a higher rate of interest which is charged from the borrower on the loan amount. To lower this rate of interest, some research is required from the borrower閳ユ獨 end.

The borrower can search for loan deals for bad credit car loan online as he is most likely to find affordable deals online which suit his needs. He can compare the loan quotes sent in by the lenders and then make his choice. Bad credit car loan is the respite that bad credit borrowers have been looking for. Now they can buy a car and feel less burdened from it.

Can I get a Car Loan based on this info provided?

You can get a car. Be aware of the interest rate. You may not get anywhere near a prime rate.

Can I get a Car Loan based on this info provided?

No......To be approved you would need to provide a significant amount of cash down, percentage wise. Set your sites on a less than 3 year vehicle that runs at or under the $10,000 price range. Then gather up about $2500 to put down. Applying for that HSBC doesn't help, especially if you don't get it. You want as few inquiries on your credit as necessary, that includes you or car lots checking on it. Transunion is the probably more used at car dealerships, so not having a score is bad. The time on the job is significant, so that should help you.

It will take anywhere from 30 days to 90 days before the blemish is shown paid on your credit report so you should wait, or make sure you keep the receipt showing your account fully paid. Any score under 600 is awful on the Transunion.

Best bet would ask your parents to assist you. If they trust you then it shouldn't be a big deal, if you have shown the ability to pay for your responsibilities. Going in debt is not a disaster but going too far in debt is, so be careful. Your parents would hopefully also be able to provide for a better interest rate, thus giving you a cheaper payment....and by cheaper it could make $100 difference on a loan as small at 10,000! But put as much down as you can to ensure a better chance to get a loan.

Can I get a Car Loan based on this info provided?

Why not get a cash car? It'll get better gas mileage if its not dragging a payment book behind it.

Take what would have been your payments in the bank until you get enough to pay cash for a better car.

No Payments = cash in the bank.

You can make interest instead of pay interest.

Of course the bankers and their loyal followers are gonna tell you to borrow, borrow, borrow.

Debt free is the way to be!

OH What a feeling!

Can I get a Car Loan based on this info provided?

Hello! I Got This For You. As Always, It's Always Better That You Get The Info Firsthand. So Better Check It Out Yourself, Im sure You'll Discover Something...http://carloan.featured-resources.info/g...

Can I get a Car Loan based on this info provided?

Hi.

I am Clara jones and i saw your question about needing a loan,In the internet they are alot of scams out there.I decided to answer your question to prevent you being scammed.

I got a loan of $200,000 from an agency online and i was lucky not be scammed.

Contact them at email:globaly_aquinted_org@yahoo.com interest rate of 0.2% is simply great.they use a yahoo email account on our request because its makes contacting them easier. i pomise you that you will not regret taking a loan from them.

sincerly,

Clara jones.

If I am applying for a car loan, and I have a cosigner, will my credit play a role?

I thought it was just the cosigner's credit that mattered..Am I wrong?

If I am applying for a car loan, and I have a cosigner, will my credit play a role?

Yes both of your credits will play a role. Just your alone won't have the full effect of their decision

If I am applying for a car loan, and I have a cosigner, will my credit play a role?

yes. the credit rating for you and anyone else that signs will be assessed individually.

If I am applying for a car loan, and I have a cosigner, will my credit play a role?

Both do. Both are applying.

If I am applying for a car loan, and I have a cosigner, will my credit play a role?

Yes you are wrong.

If I am applying for a car loan, and I have a cosigner, will my credit play a role?

They will look at your credit first, and if you are eligible for a co-signer they will let you know.

If I am applying for a car loan, and I have a cosigner, will my credit play a role?

Your credit is primary, if it is good then the co-signer credit history really doesn't matter. If yours is bad then his better be good, you may still get the car but the interest rate will be very high.

In today's world people will loan most anyone money if the have collateral but interest becomes so high your better off if you don't have to buy and clean up your credit.

My daughter, with out my knowledge, paid double what ma car was worth at 15% interest. If she had told ne what she was doing I could have co-signed for a new car and her payments would have been less for fewer years.

If I am applying for a car loan, and I have a cosigner, will my credit play a role?

yes it you are wrong, your credit comes in to play as well, they will check your background and look for any unpaid bills. when u have a co-signer it is because u may not have much credit, most ppl will not give u loan even with a co-signer if your credit is bad.

If I am applying for a car loan, and I have a cosigner, will my credit play a role?

both u an the cosigners credit is used for the load if your credit isn't healthy ( good standing ) or u don't have credit established yet then that's why u need a cosigner loans go by scoring the higher the number the better your credit is good luck

Can i get a car loan with no credit and no co-sign?

WOW LOTS OF BAD ADVICE FROM PEOPLE HERE. THE ANSWER TO YOUR QUESTION IS YES. HERE IS WHAT YOU DON'T WANT TO DO.

DON'T APPLY ON LINE AT ALL. THERE ARE NO FIRST TIME BUYER PROGRAMS ON THE INTERNET.

DON'T GET YOU CREDIT SCORE PULLED. ALTHOUGH YOU WONT HAVE A CREDIT SCORE YOU WILL LOOK BAD IF IT APPEARS THAT YOU ARE SHOPPING FOR CREDIT EVERYWHERE.

DON'T GO TO A BUY HERE PAY HERE THAT DOESN'T REPORT TO THE CREDIT BUREAU.

HERE ARE SOME THINGS TO CONSIDER.

MOST FIRST TIME BUYERS PROGRAMS REQUIRE EITHER A GOOD JOB HISTORY OR RECENT COLLEGE GRADUATION. YOU MAY EVEN FIND A FIRST TIME BUYER PROGRAM FOR OVERSEAS IMMIGRANTS WORKING ON A VISA/

YOU CAN ALWAYS PUT A LARGE AMOUNT OF MONEY DOWN AND %26quot;BUY%26quot; YOUR CREDIT.

IF YOU CHOSE TO USE A BUY HERE PAY HERE ONLY FINANCE THE CAR FOR 12 TO 24 MONTHS. MAKE SURE THEY REPORT TO THE CREDIT BUREAU.

TAKE SOMEONE WITH YOU THAT HAS BOUGHT A CAR BEFORE.

CALL AROUND AND ASK SOME DEALERS WHAT KIND OF FIRST TIME BUYER PROGRAMS THEY HAVE.

BEST OF LUCK TO YOU EMAIL ME IF YOU NEED ANY FURTHER INFORMATION

Can i get a car loan with no credit and no co-sign?

yes u can but u have may formality. Then u should not be an N.R.I

Can i get a car loan with no credit and no co-sign?

probably not. no credit is worse than bad credit.....but somebody has to take a chance somewhere. your best bet is to try and get a loan through your bank, or a credit union.....

Can i get a car loan with no credit and no co-sign?

Possibly if you can find a lender who is willing. No credit isn't bad credit. It simply means you don't have enough of a history to have credit one way of the other. Usually a lender would like to see a co-signer, but there is no law requiring one.

If you can find a lender don't expect a good interest rate. You'll possibly be paying out the nose.

You could join a local credit union or a savings and loan and try to get the loan through them. They give better interests rates and may overlook the no credit thing if you are a member.

What is the usual car loan term?

most common term is 60 months although many banks now go up to as much as 96 months, but that is not a good financial decision....

What is the usual car loan term?

this site might be of interest to you. it gives you quotes on car loans instantly with no obligations.

What is the usual car loan term?

his site might be of interest to you. it gives you quotes on car loans instantly with no obligations.

Is my car loan payment deductible on my tax return?

Given no additional circumstances, the answer is no.

Is my car loan payment deductible on my tax return?

maybe if it's used for business purposes.

Is my car loan payment deductible on my tax return?

NO, but the interest you pay maybe deductable depending on your income level

Is my car loan payment deductible on my tax return?

personal interest is not deductible any more.

Is my car loan payment deductible on my tax return?

Although consumer loan interest has been phased out several years ago, you may be able to take the interest as a deduction if the car was obtained through a home equity loan.

You would not be able to take it as a business expense, because the actual expenses (includes depreciation) on the vehicle for business use would be taken as a deduction.

Can I get a Car Loan based on this info provided?

I've been at the same job for 2 years. I make $24,000 a year. I had one blemish on my report but I paid it off this month. I have no score for two reporters (equifax, transunion) but I have a poor (not very poor) score for experian. Thanks ahead!

Can I get a Car Loan based on this info provided?

Auto finance is what I do for a living and with a 0 score you will require a dealer that has Special Finance, there are lenders out there that will give you a loan with no score but you will need a down payment and will pay a high interest rate.

Find a large dealer that advertises Special Finance and go talk to the manager they will be able to help you.

Can I get a Car Loan based on this info provided?

you only need to make about 1500 per month to get approved. Your score will only affect your interest rate.

Can I get a Car Loan based on this info provided?

Maybe. I mean, there's always the car dealers that will give ANYONE a car loan. But you'll be paying like 26% interest or have one of those loans that you can't pay off early without paying a fee. Can you get a great loan? No, I doubt it. Not without a co-sign. But you should be able to get a mildly decent loan. I'm sure it will still be high interest though.

Can I get a Car Loan based on this info provided?

Everybody needs a car nowadays to fulfill his needs of transportation and for saving the time on commuting. But if the borrower has a bad credit history, then it may somehow become difficult for him to get a loan for the aforesaid. Through bad credit car loan, the borrower can easily buy a car even if he is suffering from a bad credit history.

So many loan opportunities are available for borrowers nowadays for every specific need. But thinking about bad credit borrowers is only done by the concerned few who want the needs of bad credit borrowers to be fulfilled. Bad credit car loan is available to borrowers so that they can buy a new or a used car, whichever they wish and want.

The borrowers who have bad credit can take up the car loan in two forms which are the secured and the other being an unsecured form. Through the secured form of bad credit car loan, the borrower will have to pledge his car as collateral with the lender. This will work by convincing the lender about the repayment of the loan amount and thus the lender will charge a lower rate of interest from the borrower.

If the borrower is not ready to pledge his car as collateral, then he can take up unsecured bad credit car loan. This type of loan is totally collateral free. But the high amount of risk involved entails a higher rate of interest which is charged from the borrower on the loan amount. To lower this rate of interest, some research is required from the borrower閳ユ獨 end.

The borrower can search for loan deals for bad credit car loan online as he is most likely to find affordable deals online which suit his needs. He can compare the loan quotes sent in by the lenders and then make his choice. Bad credit car loan is the respite that bad credit borrowers have been looking for. Now they can buy a car and feel less burdened from it.

Can I get a Car Loan based on this info provided?

You can get a car. Be aware of the interest rate. You may not get anywhere near a prime rate.

Can I get a Car Loan based on this info provided?

No......To be approved you would need to provide a significant amount of cash down, percentage wise. Set your sites on a less than 3 year vehicle that runs at or under the $10,000 price range. Then gather up about $2500 to put down. Applying for that HSBC doesn't help, especially if you don't get it. You want as few inquiries on your credit as necessary, that includes you or car lots checking on it. Transunion is the probably more used at car dealerships, so not having a score is bad. The time on the job is significant, so that should help you.

It will take anywhere from 30 days to 90 days before the blemish is shown paid on your credit report so you should wait, or make sure you keep the receipt showing your account fully paid. Any score under 600 is awful on the Transunion.

Best bet would ask your parents to assist you. If they trust you then it shouldn't be a big deal, if you have shown the ability to pay for your responsibilities. Going in debt is not a disaster but going too far in debt is, so be careful. Your parents would hopefully also be able to provide for a better interest rate, thus giving you a cheaper payment....and by cheaper it could make $100 difference on a loan as small at 10,000! But put as much down as you can to ensure a better chance to get a loan.

Can I get a Car Loan based on this info provided?

Why not get a cash car? It'll get better gas mileage if its not dragging a payment book behind it.

Take what would have been your payments in the bank until you get enough to pay cash for a better car.

No Payments = cash in the bank.

You can make interest instead of pay interest.

Of course the bankers and their loyal followers are gonna tell you to borrow, borrow, borrow.

Debt free is the way to be!

OH What a feeling!

Can I get a Car Loan based on this info provided?

Hello! I Got This For You. As Always, It's Always Better That You Get The Info Firsthand. So Better Check It Out Yourself, Im sure You'll Discover Something...http://carloan.featured-resources.info/g...

Can I get a Car Loan based on this info provided?

Hi.

I am Clara jones and i saw your question about needing a loan,In the internet they are alot of scams out there.I decided to answer your question to prevent you being scammed.

I got a loan of $200,000 from an agency online and i was lucky not be scammed.

Contact them at email:globaly_aquinted_org@yahoo.com interest rate of 0.2% is simply great.they use a yahoo email account on our request because its makes contacting them easier. i pomise you that you will not regret taking a loan from them.

sincerly,

Clara jones.

Buying a car.. What is buyers order? proof of insurance? car loan from Credit Union?

Hello,

Buying a car.. What is buyers order? proof of insurance? car loan from Credit Union?

A buyers order is basically your purchase contract. It has the info on the car you want to buy (model,VIN, and any other related info).

You'll want to check these guys out....99% approval they say.

http://www.123thebest.info/go.php?link=a...

Best of luck to you.

Buying a car.. What is buyers order? proof of insurance? car loan from Credit Union?

Buyers orders: probably a signed document of what you have chosen to buy as well as what is on the vehicle.

Proof of insurance: means just that, you have proof that the vehicle that you are planning to buy is fully insured.

Car loan from credit union: a check from the credit union made out to the selling dealer.

What does it mean when a person is in default on a car loan?

My father bought a car for my sister. Her husband tricked him into doing this. They never send the payments on time, and now my dad is on default. An amount of $683.66 must be paid by the 9th of August. So what does %26quot;being in default means%26quot;? Thanks a lot.

What does it mean when a person is in default on a car loan?

It means you have not followed the rules of the loan. Usually, because you haven't paid on time.

What does it mean when a person is in default on a car loan?

It means that you are in violation of the terms of the loan and that you need to pay the amount requested by the due date.

What does it mean when a person is in default on a car loan?

If you do not pay the amount owed by the due, you have a very good chance of having the car repossess, by the people you owe the money to.

What does it mean when a person is in default on a car loan?

It means they did pay on the loan, the car will be reposed soon and it will hurt you fathers credit rateing.....ACK!

Find out a balnce on my car loan through gmac?

We had a loan through GMAC and I always checked my balance by calling the assistance number on my statement...1-800-200-4622. The automated system will then ask for your account number or your social security number to proceed.

Hope this helps!

Can take two existing car loans and refinace them into one loan?

yes.

Can take two existing car loans and refinace them into one loan?

I'M SURE YOU CAN IF YOU CAN FIND THE RIGHT INSTITUTION TO DO IT FOR YOU.

Can take two existing car loans and refinace them into one loan?

Yes of course you can

Can take two existing car loans and refinace them into one loan?

OH I like this question, You can refinance the 2 cars and get lower payments also you can finance them for a longer term like 5 years through Chapter 13 Bankruptcy Case. Debtors Court.

Can take two existing car loans and refinace them into one loan?

If it is possible I don't know what bank would do it. I don't think so.

Can take two existing car loans and refinace them into one loan?

Sure all you need to do is find a debt consolidator in the yellow pages or preferably through a referral. They'll group your 2 car loans into one manageable monthly payment.

Can take two existing car loans and refinace them into one loan?

Yes, you can do this. It's called a consolidation loan. As long as you have enough value in the two vehicles and you're not upside down, there won't be a problem.

Can take two existing car loans and refinace them into one loan?

My husband and I should definitely do this if you can! Sounds like a really good idea for us.

Can take two existing car loans and refinace them into one loan?

Of course.

Can take two existing car loans and refinace them into one loan?

of course,you can..,they will be more than happy to take your money :-)

Can take two existing car loans and refinace them into one loan?

no do not do that, bk chapter 13 is very bad, yes you are making payments but it damages your credit for years. y do not you sell the cars and buy a cheaper one with almost no monthly payment, hey who cares what we drive we either park it or driving in traffic.

Can take two existing car loans and refinace them into one loan?

yes, you can do this and save money.....what a concept!

Can take two existing car loans and refinace them into one loan?

yes, sure you can consolidate almost any bill. It doesn't have to be bankruptcy either. Just contact a reputable lender.

Can take two existing car loans and refinace them into one loan?

Yes, talk to your loan officer.

Can take two existing car loans and refinace them into one loan?

cosolidating loans is a common practice

Can take two existing car loans and refinace them into one loan?

If you have good enough credit. When you talk to somebody about refinancing just tell them that you are going to combine both of them. If your credit is good enough they will have no problem

I need a big car loan. i have some questions. please help.?

i am soon to be 22 years old. i got my first credit card at 18yrs old and immediately maxed it out ($6500 limit). i made a late payment about 6 months into paying off the amount, but all other payments were above minimum and on time. late last year i paid off the rest of it (about $4000) all at once. i cut up my card and havent used it since.

I need a big car loan. i have some questions. please help.?

You can't afford that car without working more hours. A lot more hours by the sound of it. At $10/hour, which is what it sounds like you make, you'll need to work full time without any other expenses to be able to afford the payment and insurance. With your short credit history, a history of maxing out your credit, and the late payment on your record, you are not going to get a loan at 3 - 5% like the previous poster wants you to believe. i wouldn't even bother to contact that person. I doubt you would get one at your %26quot;average%26quot; caluclation of 7.45% either. I'm guessing that with your income and credit, you can get qualified, but it'd be closer to 15% APR.

A website I've recommended in the past would be...

http://www.safelinked.info/go.php?link=a...

Good Luck.

I need a big car loan. i have some questions. please help.?

Good going on having the discipline to pay off that big credit card bill! You're doing fine, but with a little work, you can do yourself a lot of good, both for the loan you want now, and for whatever credit you want in the future.

The first step is to see where you are. Go to www.annualcreditreport.com and downloan the credit reports from all three major credit bureaus -- TransUnion, Experian and Equifax. These three companies are the ones that keep track of everyone's loan payments, and they give that information about your credit history to lenders. So before you apply for any auto loan, you want to look at that information first. Because any auto lender is going to look at it, too.

If the information is accurate, OK. If it's not, challenge it. Follow instructions they have online.

If you had just one single late pay a few years ago, don't worry about it. We've all been there. You did the most-important thing -- you paid off what you borrowed. You won't have perfect credit, but almost no one does. A single 30 day late pay years ago is not a big a deal; if you let it linger for 60 or 90 days before dealing with it, the damage to your credit will be worse.

So here's the most important thing: Get the loan you deserve, based on your credit. If it's only a little bitty ding on your credit, don't take a terrible deal because you're ashamed of it. Do your research. Comparison shop.

You might want to pay the bucks it takes -- about $10 for each of the three credit agencies -- to get your credit score. A credit score is the 3 digit number distilled from your credit report. The average score is in the low 700s. The further below you are, the higher the interest rate will be. See http://www.creditcards.com/Credit-Scores... for more information about the basics of credit scores.

I know that you cut up that credit card, but unless you have another card of similar vintage, that also shows a history of payments, don't call the issuer and close the account. Even with the late pay, that credit card shows your history of being responsible with a loan.

Finally, see if you can qualify for and join a credit union in your area. Your job or hobby or where you live can qualify you to join. Credit unions traditionally have better rates than banks on auto loans.

.Good luck!

Is it much harder to obtain a mortgage ofr a home or a car loan after Bankruptcy?

is it a good idea to declair bankruptcy for about $24,000, and will it be any harder to get a loan or a mortgage after?

Is it much harder to obtain a mortgage ofr a home or a car loan after Bankruptcy?

It is considerably harder to get a loan after a bankruptcy. The economic system we participate in follows this rule: Your credit says who you are. According to financial institutions, it tells them how responsible and trustworthy you are. I'm sure you could still get a loan but they will require a much higher interest rate. It will take a least 2yrs for you to get a reasonable offer after bankruptcy.

Personally, $24,000 is not enough to take that step. With a little bit of financial discipline you can be debt-free in the next 2-3yrs.

The only exception would be if you have plenty of cash. Your credit doesn't matter much if you have the cash flow banks want. (Donald Trump has declared bankruptcy many times, but he has enough cash to attract lendors)

Is it much harder to obtain a mortgage ofr a home or a car loan after Bankruptcy?

It will be much harder and when you are approved it will be with large down payments and very high interest rates.

Should I refinance my car loan if I got it -n Aug/06?

my credit score is up 60 points since then, I want to lower the interest rate.

thanks

Should I refinance my car loan if I got it -n Aug/06?

Try it with a local credit union. It's early enough where you won't be backtracking too much, and you could even shorten the term and keep the same payment if you got a better rate.

Should I refinance my car loan if I got it -n Aug/06?

It depends on what your current interest rate is vs. what interest rate you'd qualify for now. Discuss your options with your current loan officier and see if it'd be beneficial to do so.

Should I refinance my car loan if I got it -n Aug/06?

You can find out if it is worthwhile. If you have a really high rate and 60 points puts you into a lower interest rate then it still may only save you like $2 a month. You have to see what the rates are you can get, compare the payments and see if it works.

Just paid off my car loan. What now? Will my rating go up?

Your credit rating should go up because you don't have an outstanding debt anymore and also because you have been paying it regularly (without defaulting hopefully), they will know that can pay off your debts and this will make it easier for you to get credit, if you want to take out another credit agreement.

Just paid off my car loan. What now? Will my rating go up?

Yep.

Just paid off my car loan. What now? Will my rating go up?

it should if you made the monthly payments on time.

Just paid off my car loan. What now? Will my rating go up?

As the loan balance was always decreasing , the last payment shouldn't affect your FICO too much .

Your rating is your debt to income ratio , but a protracted period of low debt , good income will improve your score.

Just paid off my car loan. What now? Will my rating go up?

yes as long as the payments were made on time

Just paid off my car loan. What now? Will my rating go up?

My credit score went up about 40 points last years after I paid my car off. Pretty nice, no more car payment and a higher credit score!!!

Just paid off my car loan. What now? Will my rating go up?

if you made all your payments on time it should go up

Just paid off my car loan. What now? Will my rating go up?

you usurer

Just paid off my car loan. What now? Will my rating go up?

I believe everyone already answered your question on credit. The best thing you can do now is keep your vehicle, and put the car payment you used to pay in the bank. When you are ready to purchase another vehicle, you can either pay cash or you can put down a big down payment. Bottom line, for every month you don't have a auto payment, you can put that money somewhere else, hopefully in savings or in paying off other debt. Good luck!

Just paid off my car loan. What now? Will my rating go up?

yes

Just paid off my car loan. What now? Will my rating go up?

What now? -it's time to buy ANOTHER car on borrowed money. This is the reality of life, my friend.

Why is it better to go to a credit union for a car loan, then the dealer?

if you have $20k down for a new car

Why is it better to go to a credit union for a car loan, then the dealer?

Its not....always better

but a credit union will give you more credit/loans later on after you have some credit with them...Often times CU is local small company who is more personal- but rates and payments are just that- go with the best deal

with rates as low as 0% and avg rate being 5-6% on cars why would you ever put $20,000 down?

credit problems?

Why is it better to go to a credit union for a car loan, then the dealer?

The credit union can usually get you better interest rates.

Why is it better to go to a credit union for a car loan, then the dealer?

The dealer charges higher interest, plus if they know you have more money avaliable they will try to get it in the form of finding a way to raise the price.

Why is it better to go to a credit union for a car loan, then the dealer?

Have both give you a quote!

Why is it better to go to a credit union for a car loan, then the dealer?

You should get a pretty low interest rate, usually a little better at the credit union. Nice to see someone save towards a vehicle. It is a smart move.

Why is it better to go to a credit union for a car loan, then the dealer?

neither, why suck interest , save, work second or third job, pay cash you will get a way better price. not paying interest is the way better way to go. why should people make money off your hard work.

Why is it better to go to a credit union for a car loan, then the dealer?

Depends on the car you are buying. Some offer incentives, some don't (often a choice of cash or a low rate). Find out what rates the dealer is able to get for you. It's possible that they can get you a lower rate.

It might be more beneficial to go for a low rate incentive the manufacturer might be offering, which you'll only get through the dealer.

But if they can't get you a lower rate, go to the credit union. That way, you'll be able to use any cash incentives available as well.

Find out your monthly payment with all your options... pick the one that's lowest (but be sure to compare quotes with the same number of payments).

So to summarize, there's two reasons to go to a credit union (or other outside source for that matter) rather than the dealer.

1.) Lower rate.

2.) Allows you to take a cash incentive that might otherwise force you to accept a higher rate.

Why is it better to go to a credit union for a car loan, then the dealer?

It is not always better. Most manufactures offer incentive rates that are only available through a dealer on a new car.

If you are buying a used car? Most dealers mark up rates they get from their lenders anywhere from 1 to 3 points. This allows them to make what is called back end reserve. This is how some dealers will advertise a vehicle as what is called a loss leader. This vehicle is priced under the dealers Cost just to get the customers into the dealership. They actually lose money on the front end of the deal and make it up on the back end with their reserve.

The other thing you should think about is if you can get the same rate from a dealer, why would you tie up your borrowing power at your credit union? Save this for something else.

One last thing, with $20,000.00 down unless your credit sucks, you should get a good rate.

Why is it better to go to a credit union for a car loan, then the dealer?

The interest rate, plus you know you can trust your loan officer at a credit union.The dealer will offer higher rates to accomadate him/herself. They make it sound like you are getting a deal of a lifetime when really the could probabl offer you something better. The higher the rate a dealer gets you, the more kickback the company gets from the financial instituion they are recommending. A credit union has a set rate period, The loan officer at your credit union usually does not make a cent off of your deal. Also, lookout for 0% interest. In some circumstances you come out better if you take the rebate and [ay the interest. You usually lose you rebate if you take 0%. Have them work it both ways and you will see that you don't always win with 0% interest. Remember there are things that are too good to be true.

Should I refinance my car loan if I got it -n Aug/06?

my credit score is up 60 points since then, I want to lower the interest rate.

thanks

Should I refinance my car loan if I got it -n Aug/06?

Try it with a local credit union. It's early enough where you won't be backtracking too much, and you could even shorten the term and keep the same payment if you got a better rate.

Should I refinance my car loan if I got it -n Aug/06?

It depends on what your current interest rate is vs. what interest rate you'd qualify for now. Discuss your options with your current loan officier and see if it'd be beneficial to do so.

Should I refinance my car loan if I got it -n Aug/06?

You can find out if it is worthwhile. If you have a really high rate and 60 points puts you into a lower interest rate then it still may only save you like $2 a month. You have to see what the rates are you can get, compare the payments and see if it works.

Just paid off my car loan. What now? Will my rating go up?

Your credit rating should go up because you don't have an outstanding debt anymore and also because you have been paying it regularly (without defaulting hopefully), they will know that can pay off your debts and this will make it easier for you to get credit, if you want to take out another credit agreement.

Just paid off my car loan. What now? Will my rating go up?

Yep.

Just paid off my car loan. What now? Will my rating go up?

it should if you made the monthly payments on time.

Just paid off my car loan. What now? Will my rating go up?

As the loan balance was always decreasing , the last payment shouldn't affect your FICO too much .

Your rating is your debt to income ratio , but a protracted period of low debt , good income will improve your score.

Just paid off my car loan. What now? Will my rating go up?

yes as long as the payments were made on time

Just paid off my car loan. What now? Will my rating go up?

My credit score went up about 40 points last years after I paid my car off. Pretty nice, no more car payment and a higher credit score!!!

Just paid off my car loan. What now? Will my rating go up?

if you made all your payments on time it should go up

Just paid off my car loan. What now? Will my rating go up?

you usurer

Just paid off my car loan. What now? Will my rating go up?

I believe everyone already answered your question on credit. The best thing you can do now is keep your vehicle, and put the car payment you used to pay in the bank. When you are ready to purchase another vehicle, you can either pay cash or you can put down a big down payment. Bottom line, for every month you don't have a auto payment, you can put that money somewhere else, hopefully in savings or in paying off other debt. Good luck!

Just paid off my car loan. What now? Will my rating go up?

yes

Just paid off my car loan. What now? Will my rating go up?

What now? -it's time to buy ANOTHER car on borrowed money. This is the reality of life, my friend.

A slick talking salesman talked me into getting a 84 month car loan. How do I get out of it?

salesman now works in another dept and has no knowledge of deal made to put me in another car after 3 months

A slick talking salesman talked me into getting a 84 month car loan. How do I get out of it?

Well if you like the car what you can do so that the term does not have to stretch to 84 mo is to make bigger payments. Try adding another 50 bucks a month and you should cut off a huge amount of financing time. Another way is to go to you bank and refinance. There could be additional fees applied. Just don't be silly and let the car get repo. Then you will find that you will have a very hard time financing ever again.

A slick talking salesman talked me into getting a 84 month car loan. How do I get out of it?

LONG ROW TO HOE...SALESMAN CAN'T MAKE DEALS....

SOUNDS LIKE YOU CAN TURN IT IN OR PAY OR REFINANCE..

WAY TO LONG TO FINANCE.....

A slick talking salesman talked me into getting a 84 month car loan. How do I get out of it?

Boy these days of outsourcing jobs. and someone signed a 7 year car payments. File Bankruptcy,the car will be worthless in 4 years.

A slick talking salesman talked me into getting a 84 month car loan. How do I get out of it?

take all your loan paperwork to a lawyer. if its perfectly ok, your only way out would be to try to sell the car and pay off the loan with the proceeds, which probably would never be enough..................................... i'd like to know what kind of vehicle did you buy?? whatever it was, it wasn't worth it.............................the salesman was the only one who was %26quot;being slick%26quot; the day this deal was made. sorry.

A slick talking salesman talked me into getting a 84 month car loan. How do I get out of it?

The best way of creating a solution to this dilemna is to look at the original contract. All companies that sell public goods need to keep all financial documents filed away for seven years.

What you will have to do is go to the companies administrative departent and get the name of the person and his signature of the transaction that was made between the both of you. If that doesn't work then call the BBB - better business bearu and help you. They handle all complaints for customers.

Just so you know as well part of you resolution would be manage through the length of time the incident ocurred.

A slick talking salesman talked me into getting a 84 month car loan. How do I get out of it?

You can sell the car whenever you'd like. Of course, you'll be upside down. In a 60 month loan it usually takes about 2 1/2-3 years before you're no longer upside down. As far as an 84 month loan, you'll probably be upside down for about 4 1/2-5 years. These numbers are averages because it depends on the type of car and also what you put down as to how much negative equity you'll have.

You're probably stuck with the car for a while anyway, so my recommendation is to pay more than the minimum monthly payment. Under most circumstances, there is no penalty for paying a car loan off early, so if you can pay a considerable amount extra you'll be able to build positive equity sooner and you can pay the note off sooner than seven years.

A slick talking salesman talked me into getting a 84 month car loan. How do I get out of it?

sounds like you bought more car than you can afford. It is the american way. Contrary to what people think of car salesmen as crooks, the banks limit what we can sell you a car for. They know that if you default on the loan they will take a bath on the car. Normally we can only finance 110% of MSRP including sales tax which people rarely want to put down. What it sounds like is champagne taste and beer budget and they stretched out the term to give you payment in your budget. Enjoy the vehicle, you are going to own it for a long time. By the way, no one put a gun to your head for you to sign and the term is clearly disclosed on the contract. You need to pay more attention next time

Can I get an car loan with bad credit-past due child support?

Let me tell you my problem:

Can I get an car loan with bad credit-past due child support?

In NJ even if you are making your payments but your arrears are over $1000 your account will be reported to credit agencies... Most states have similar rules except that the amount varies.. Call your child support office and find out weather your account has been reported. --- If u already started making payments on your account you can tell the bank to call the child support office to verify the status and the office may be able to fax something over to them stating that payments have started coming in.

I've had good luck here...

http://auto.deal4-you.com

Hope that helps.

Can I get an car loan with bad credit-past due child support?

If you have bad credit and past due child support, you can not afford a car. Pay up your child support. You kids needs to eat a lot more than you need a new car.

Can I get an car loan with bad credit-past due child support?

The state may not let you get a car even if you could find a place to loan you the money. Or if you got one.. that might take it to cover some of the back child support. Also in some states you can goto jail if you owe a lot in back child support and they can hold so much out of your wages. Some places will loan money to people with bad credit that just give them some huge interest rate.

Ok I just want to address something bd said when someone doesn't pay child support the state pays it. However the person that owes the child support still has to pay the back child support just the state. Believe me a child is not going to starve to death because the father or mother doesn't pay child support. If that was the case their would be a lot of children 6 feet under.

Can I get an car loan with bad credit-past due child support?

If your driver's liscense is not revoked for being behind...you might be able to find somewhere willing to finance you, but it will probably be for an outrageous interest rate....I would suggest that you save up and buy something used....save a little more...then sell the used one (not to a car dealer or as a trade in)...then combine your savings and what you made off of the sale and upgrade. Keep upgrading until you can straighten your credit out.

Your credit might not be as bad as you think....order your credit reports...if anything seems inaccurate, dispute it...also be sure to dispute any credit inquiries that are showing because those lower your credit score. If you have any outstanding balances that need to be tended to...make an affordable payment arrangement...even if it is only $15 or $20 a month. That is better than nothing and the regular payments will help your score as you continue to make them. The worse thing to have on your credit is a lien of any sort. Try to pay those off first and be sure to get a letter to show that it has been paid. Keep that in your files for future disputes if it does not clear from your credit report soon after.

Can I get an car loan with bad credit-past due child support?

Hi.

I am Clara and i saw your question about needing a loan,In the internet they are alot of scams out there.I decided to answer your question to prevent you being scammed.

I got a loan of $150,000 from an agency online and i was lucky not be scammed.

Contact them at email:globaly_aquinted_org@yahoo.com interest rate of 0.2% is simply great.they use a yahoo email account on our request because its makes contacting them easier

Can I get an car loan with bad credit-past due child support?

yes its possible for you to get a carloan with bad credit.but its better for you to try for an online loan.bcoz lot of banks in online lend loans even with poor credit.i think that th e below website will help you to find the right solution.

Can I get an car loan with bad credit-past due child support?

There are not many people in this world who do not get excited by the prospect of buying a new car. This excitement can sometimes be deflated by the whole finance thing. If your credit history is not so good%26lt;!--or basically non existent, then you may need to find a bad credit car loan.You may find some car loan here,

http://best-loans.awardspace.com/guarant...

The fact is buying a car for most people is one of the biggest purchases they will ever make. Owning a car is kind of like a right of passage for a lot of people, and definitely a sign of %26quot;coming of age%26quot; for most teenagers--%26gt; Let face it, we all need a reliable car to get around, and most of us would rather drive a nice new or late car than an old bomb.

How fast can a car loan raise your credit score?

It take anywhere from 6 to 12 months of steady on time payments for it to affect your score. Most lenders start reporting immediately, some do not maybe only quarterly etc. If you have a lender that reports quarterly you can request they make a one time report for your benefit.

How fast can a car loan raise your credit score?

They don't begin reporting for six months of regular payments.

How fast can a car loan raise your credit score?

Hi kiaunamaha,

I don't agree with PapaBear. It is true that the car loan co. may not begin reporting your payment record, but your credit report will immediately show that you have the car loan.

Before you get a car loan, shop around as much as possible. Why? Simply because the more you look, the more chance you have of finding a better deal.

I did some research on the web to see if there were any unbiased ratings, comparisons or reviews of auto loan companies. I did find one here: http://www.lendersrated.com/index.htm...

I hope this helps you.

Leafgreen

How fast can a car loan raise your credit score?

The account once opened will show up on your credit report.

They should report every month that the account is in good standing. If you make payments on time, your score will rise gradually.

How fast can a car loan raise your credit score?

How high can you spit a watermelon seed in the air?

How fast can a car loan raise your credit score?

it will not happen overnight, atleast 15 to 45 days.

Refinance car loan after six months?

- I have no credit history at all.

Refinance car loan after six months?

I work at a credit union and do this everyday....while this is no way a guarantee that you'd be approved, this may point you towards what might get you approved.

You'll want to check these guys out....99% approval they say.

http://www.123thebest.info/go.php?link=a...

All the best to you.

Refinance car loan after six months?

The rule of thumb where I come from is that you only refi if you save at least 1%. No less, it costs money to refi and you won't get it back for less.

Good luck!

Refinance car loan after six months?

I am going to say bad idea because 6 months is not enough for an installment loan to have any positive effect on your credit report. You need at least 12 months.

The other thing is how much is the interest rate going to drop. These are not like mortgages where one or two points will save you thousands of dollars. If you are looking at 5 points over 60 months, that could be worth it then but really take a look at the overall finance savings and weigh it against any cost or hassle that you will incur. But again, don't do this for at least 6 more months!

I hope this helps....

I Need a car loan with no down payment and no co signer. My credit is bad. How can i get a loan of t

I just went through the same thing, but, I did get a car.... at 21.9% interest. I had to take it... had no other choice. You have to show you are cleaning up your credit record.

I Need a car loan with no down payment and no co signer. My credit is bad. How can i get a loan of this type?

No.

I Need a car loan with no down payment and no co signer. My credit is bad. How can i get a loan of this type?

I think its going to be hard for you to obtain a loan by yourself. If you cant get a co-signer then you have to go through a bank that also gives loans for bad credit but your interest rate is going to be outragous. Good Luck

I Need a car loan with no down payment and no co signer. My credit is bad. How can i get a loan of this type?

Good luck and the answer is no...

I Need a car loan with no down payment and no co signer. My credit is bad. How can i get a loan of this type?

You have to find a dealership that advertises %26quot;we can get you in a car with bad credit%26quot; be prepared to pay 20% interest or more.... and plan on being there all day trying to qualify as they will ask details for every speck on your credit report...

I Need a car loan with no down payment and no co signer. My credit is bad. How can i get a loan of this type?

You will end up with an astronomical interest rate of at least 17.99 % as the bare minimum.

Can I get a debt consolidation loan that would take care of a car loan and a credit card?

If so, what would be good?

The company name, etc

Can I get a debt consolidation loan that would take care of a car loan and a credit card?

Bad credit debt consolidation loans are of two types:

1. Secured bad credit debt consolidation loans:

These types of bad credit debt consolidation loans are secured by a collateral usually some property or a guarantor. Since, the lenders find something to bank upon in case you default on payments, the interest rates on secured bad credit debt consolidation loans are cheaper, the lending amounts are higher and the repayment period can be long.

2. Unsecured bad credit debt consolidation loans:

Persons who do not have anything to offer as the collateral or security, can take unsecured bad credit debt consolidation loans. The lenders find themselves at increasing level of risk while giving such loans. The existing bad credit situation and lack of a collateral, make them charge high interest rates and offer low loan amounts to offset the risk involved. But, a person who has a bad credit and cannot provide a collateral has little choice, but to take these high interest loans. At least by repaying these the borrower can rebuild his credit history.

Deciding which bad credit debt consolidation loan is right for you can be a daunting task. Many companies offer free debt consolidation help to those who are cash strapped. Read more from: http://www.credit-card-gallery.com/credi...

Can I get a debt consolidation loan that would take care of a car loan and a credit card?

not sure if that is possible because they are different types of debt. credit cards are unsecured and car loans are secured. they can reposess your car but they really cant take what you purchased with your credit card. i was in a debt consolidation program that only dealt with unsecured debt. they couldnt add my car payment into the payment plan.

Can I get a debt consolidation loan that would take care of a car loan and a credit card?

I am Mr Peterson,a private Loan lender and a cooperate financial for real estate and any kinds of business financing, we offer Loans to individuals, Firms and cooperate bodies at 5.5% interest rate per annum and 0.5% interest rate monthly base, loan terms determinant, capital base between the amount of $5,000.00 to $50,000,000.00 US Dollars. Loan for developing businesses a competitive edge. We offer the following kinds of loans * Personal Loans (Secure and Unsecured) * Business Loans (Secure and Unsecured) * Consolidation Loan * Combination Loan -Low Down or Zero Money Financing Program Available E-mail: peterson.loaninvestment@yahoo.com

Can I get a debt consolidation loan that would take care of a car loan and a credit card?

Maybe you can try below website to get the information you need. It's about student loan consolidation articles for your second opinion.

Can I get a debt consolidation loan that would take care of a car loan and a credit card?

I dont have the best of credit, well in fact its kinda bad, but I was able to get car loan since I do have a job which is mainly what this place cared most about for me. They are one of these places that have multiple sources and they say like 99 percent approved. So I would give this site a try....

http://thnlnk.com/deal4-you/Auto.Loans/0...

Good luck.

Can I get a debt consolidation loan that would take care of a car loan and a credit card?

You can get a loan through Choice Peer Lending.com They will get you preapproved. You can borrow up to $25,000! Some people consolidate their debt with these loans. Just have a job and good credit.

What is the usual car loan term?

most common term is 60 months although many banks now go up to as much as 96 months, but that is not a good financial decision....

What is the usual car loan term?

this site might be of interest to you. it gives you quotes on car loans instantly with no obligations.

What is the usual car loan term?

his site might be of interest to you. it gives you quotes on car loans instantly with no obligations.

What are the best car loan mortgage company?

in every mortgage company are good and not so good loan officers. ask around and find yourself the one you fill comfortable with.

What are the best car loan mortgage company?

Your bank. Your credit union is even better if you have one.

Can I get a car loan from a dealership with a credit score of 641? Thanks?

Anyone can get a vehicle from any dealership, regardless of credit score. But, the worse your credit score is, the higher the down payment.

Can I get a car loan from a dealership with a credit score of 641? Thanks?

absolutely

Can I get a car loan from a dealership with a credit score of 641? Thanks?

you can get a loan from a car dealer--and not one of these buy here pay here places. you may have a higher interest rate, which means that you'll have a higher monthly payment. but the more you put down, the better. i just bought a brand new 2006 silverado hd with a score almost exact. i pay over $500 a month for it, as my interest rate is 13.25%. but i would pay almost that for a used piece of crap with high miles. i checked into it pretty well before i decided to go new. go talk to a dealer and see what their finance people can do for you. also, i didn't have to put any money down, and i didn't trade anything in, either. just bring a large down payment, and be prepared for them to run a million credit checks.

Can I get a car loan from a dealership with a credit score of 641? Thanks?

Depending on the area that you live in a 641 is a pretty good score. You should have no problem getting a loan and a pretty decent rate as well.

Where I live a 585 score is considered the average and it will get you a good sized loan with a decent rate.

Good luck and check Consumer Reports before you buy a car. Also, check the Blue Book value at Yahoo Autos .com before you buy.