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post #1 of 18 (permalink) Old 11-14-2006, 08:53 PM Thread Starter
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Auto Loan

Im 19 with like no credit...I want a car loan...anyknow kno a good side that is nice to the younger folk and gives them a chance? Thanks in advance Im trying lending tree and capital one but Im thinkin theyl'l say no so if anyone aroundmy age has had experience in trying to get a loan and got one can ya tell me where thanks
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post #2 of 18 (permalink) Old 11-14-2006, 09:10 PM
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You will get credit, but do not expect to have a low interest rate.
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post #3 of 18 (permalink) Old 11-14-2006, 11:59 PM
 
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Don't forget insurance rates.
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post #4 of 18 (permalink) Old 11-15-2006, 12:05 AM
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talk to a credit union
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post #5 of 18 (permalink) Old 11-15-2006, 12:29 AM
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Credit unions are the way to go, maybe even try www.netbank.com thats who my brothers truck loan is through
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post #6 of 18 (permalink) Old 11-15-2006, 12:44 AM Thread Starter
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Thanks yeah I have thought about insurance rates thats why I got a 4 banger
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post #7 of 18 (permalink) Old 11-15-2006, 12:45 AM
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4 banger? What did you get James?
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post #8 of 18 (permalink) Old 11-15-2006, 12:49 AM Thread Starter
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lol didn't get anything yet...hmm yet. lol Its nothing new but gotta get my loan through at my bank or try some of the other great options people listed...

Its a down grade but I need a 4 cyl since I go to PA to OH so often. The intrepid is killing me. Its an 02 neon SXT or ES I dont kno lol carfax says ES back of the car says SXT.
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post #9 of 18 (permalink) Old 11-15-2006, 01:00 AM
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Interesting....LOL how much do you want to spend? because I know of some very fuel efficient cars for good money
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post #10 of 18 (permalink) Old 11-15-2006, 01:34 AM
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Never known anyone to "want" a car loan. Maybe the same people that "want" house payments, or "want" quadruple bypass surgery. I dunno.
I had 2 cars loans in the past and I don't want, nay, will not have anymore.
My advise, save up and pay cash. But if you really want the car now, at least save up a healthy down payment. And like said before, go with a Credit Union.
Don't be fooled into thinking that you have to have credit.
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post #11 of 18 (permalink) Old 11-15-2006, 05:50 AM
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id love to have a car loan, cuase it would mean that i could actually have a fucking reliable car (i gotta get back into the DCX department )
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post #12 of 18 (permalink) Old 11-15-2006, 06:22 AM
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When i was trying to build my credit i applyed and got approved for a few credit cards, they all had low credit lines but i payed them every month. Id put all kinds of little crap on them and payed them monthly after about two years my credit score was threw the roof and i could get financed for alot of stuff i could never afford lol.. DIT id recomend trying that method. you will get a crappy line of credit at first but it really helps build your credit so you can get a nice low APR loan on a car or house or whatever.. Start off with capitolone they will approve just about anyone. apply for one of the promos they always run 1 year 0 intrest blabla..

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post #13 of 18 (permalink) Old 11-18-2006, 10:02 AM
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I recommend not going with credit.
Can't say I haven't done it before but save, save and save. You dollar will go farther.
I own nothing on the 6 vehicles I have now but I dream about something new and nice often.
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post #14 of 18 (permalink) Old 11-18-2006, 12:49 PM
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I agree with vegas trep, get a credit card or two, buy lots of little shit on em and pay them off... instant credit.... I'm only 20 and have only had one credit card, never went over and always paid, on my last credit report I had a 756.,... I'd say that's a decent score for somebody with only one card
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post #15 of 18 (permalink) Old 11-20-2006, 05:52 PM
 
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if you need a car loan, go to a credit union, join, and try to get a loan like 2 months after or so. That's what I did at 18, and I was in my car the day after i picked my trep out. they're generally flexible...for example, i pay $85/month on a 2500 loan. Paying so little a month makes it affordable, but remember, the interest rates are higher for us younger people :(
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