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Author
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Topic: Need some help!
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Loudness
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Member # 8393
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posted
 
 
So Im trying to buy a used car for about 18k and I have a great job with good income but my credit is super bad....Where can I get a car loan for about 13-15k?
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Posts: 504 | From: East Bay | Registered: May 2008
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Blind
2.3L
CAFords OG
Member # 3052
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posted
try credit unions, but something like penfed.com may be your best bet.
with shitty credit, you may be stuck with a stupid high rate, that's why I'd suggest a credit union as mine offers used car loans for 1.99%
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89 LX Notchback ex 4cyl, 14psi
02 Harley F150, 15psi
Posts: 8521 | From: Fairfield | Registered: Jul 2003
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LXjames
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Member # 10791
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posted
Spring leaf financial
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On Point Motorsport prez.
King Lx
Posts: 4761 | From: Pittsburg CA | Registered: Mar 2011
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General Butt Naked
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Member # 4831
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posted
I used 2 credit unions in Hayward that had easy process for car loans, Provident on Foothill blvd and Patelco on Jackson.
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"le bout est nu"
Posts: 328 | From: Zumunda | Registered: Sep 2004
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69stang
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Member # 5609
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posted
What kind of car are you trying to buy?
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1968 firebird- sold
1992 mustang gt - sold
1969 mustang coupe- current project
Posts: 809 | From: 707 | Registered: Apr 2005
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Loudness
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Member # 8393
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posted
quote:
Originally posted by GreatWhiteShark:
What kind of car are you trying to buy?
03 cobra
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Posts: 504 | From: East Bay | Registered: May 2008
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TrillaJay
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Member # 10274
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posted
quote:
Originally posted by Loudness:
quote:
Originally posted by GreatWhiteShark:
What kind of car are you trying to buy?
03 cobra
Yeah buddy ![[patriot]](graemlins/patriot.gif)
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04'MystichromeSVTCobra#524
03'BuiltSilverSVTCobra-SOLD
99'BlackSVTCobra-SOLD
Posts: 2071 | From: EastBay | Registered: Aug 2010
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2T0NE
Go 49ers
Member # 4216
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posted
PERSONAL LOAN MAYBE,USED CAR LOAN I DONT THINK IS POSSIBLE ON A 9YR OLD CAR
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Originally posted by x Raelsmar x:
Can't wait till the Giants lose tomorrow night so all you Giants fans are forced to shut the fuck up.
Posts: 14676 | From: 760 carlsbad | Registered: Mar 2004
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Loudness
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Member # 8393
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posted
quote:
Originally posted by 2T0NE:
PERSONAL LOAN MAYBE,USED CAR LOAN I DONT THINK IS POSSIBLE ON A 9YR OLD CAR
Ive been noticing that. I got approved with a couple banks but they want to me buy something thats 05' and up with 50k less miles...
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Posts: 504 | From: East Bay | Registered: May 2008
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Blind
2.3L
CAFords OG
Member # 3052
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posted
quote:
Originally posted by 2T0NE:
PERSONAL LOAN MAYBE,USED CAR LOAN I DONT THINK IS POSSIBLE ON A 9YR OLD CAR
depends on the bank I'm sure, my credit union offers 36-48 mo 1.99% for 2000-2005 models with under 100k miles, but they will only loan up to the KBB amount.
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89 LX Notchback ex 4cyl, 14psi
02 Harley F150, 15psi
Posts: 8521 | From: Fairfield | Registered: Jul 2003
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1ST0KGT
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Member # 10606
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posted
I also plan on getting a daily driver and wanna talk to credit union lol
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RIP Willie Guzman (5LTRSVT)
04/24/87-11/23/12
Posts: 1742 | From: San Jose (SOUTH BAY) | Registered: Jan 2011
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JUNKYARD5.0
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Member # 10398
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posted
quote:
Originally posted by 1ST0KGT:
I also plan on getting a daily driver and wanna talk to credit union lol
+2
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"My team doesn't make hits, we hit home runs"
86 Coupe-Storage
91 Coupe-Sold
91 Hatch-In Progress...
04 SVT-RIP
Posts: 1854 | From: WEST Menlo | Registered: Oct 2010
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Gnari-Garage
CAFords OG
Member # 3164
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posted
Credit Unions only take people with good credit. The only option you have is to go the a dealer, that can either do a Buy her Pay Here, so they deal with banks like fireside, westlate....etc.
Remember with bad credit, they only give you loan up to the wholesale value of the car MAX, so your down payment needs to be big enough to cover the rest, tax and license.
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2017 McLaren 570GT
2019 Audi S5
2017 Tundra 7" Lift, 37" Tires
Posts: 4017 | From: 916-sacramento | Registered: Aug 2003
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Venomized93
Founding Member
Member # 55
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posted
Besides the loan, have you thought about repairing your credit so that you don't end up in this type of situation? What exactly is wrong with your credit report if you don't mind me asking? Sometimes things can be fixed sooner then the usual 7 year wait.
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2018 Tesla Model 3 Performance
Posts: 2077 | From: San Francisco, California | Registered: Oct 2000
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Loudness
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Member # 8393
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posted
quote:
Originally posted by Venomized93:
Besides the loan, have you thought about repairing your credit so that you don't end up in this type of situation? What exactly is wrong with your credit report if you don't mind me asking? Sometimes things can be fixed sooner then the usual 7 year wait.
Years ago when I turned 18 I opened up all these credit cards maxed them out and let them just go to collections, now they are like triple the balance. I been thinking about repairing it but I heard a lot of shady things about the debt settlement industry.
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Posts: 504 | From: East Bay | Registered: May 2008
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915.0gt
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Member # 9518
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posted
you can get a loan through the dealership but your gona need a huge deposit. the worse your credit the bigger the down payment needed. for example i know a guy with a 4xx credit score and he bought a used mercedes that had a window sticker of like 13k but had to put down damn near half. $$$ talks
Posts: 536 | Registered: Oct 2009
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