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Wow! A 2012 Camry with only 23K miles!!! That is fantastic!!! What chapter did you file and when?
I have went through special financing with major dealerships 3 times. And when they said they could get a deal done, they got a deal done. I have never had a deal reversed. Four years ago I financed a 2006 Altima with about 23K miles on it for 16K through a great subprime lender. Ask them about Prestige Financial. They have a great rate reduction program.
Camry's typically hold their value well so I am a little skeptical about a 2012 Camry with 23K for only 16K. Check the CarFax report and make sure it wasn't totaled and ask them how they got the price so low so you understand. It could just be a dealer incentive but make sure you are not buying a totaled car as if you get in an accident, that car could easily take your life as they don't rebuild them right.
I have been through a Ch 7 & 13 two years apart from each other and my score is now a 724 and I received tier 1 lease financing through Acura Financial last month. Since the BKs I financed 3 cars with subprime lenders. Right after BK my score was 550 so I know how you feel. Just realize that I recovered and you will too!
Toyotas are very reliable. If the car wasn't totaled, I would say the deal is good and to go for it. Dealerships rarely go back on their word when they say they can get you done. Just do you part on the down payment and you will be good to go!
Sign up for credit monitoring and when your score hits 650 or so, consider refinancing for a lower rate. Congrats!!!
I have went through special financing with major dealerships 3 times. And when they said they could get a deal done, they got a deal done. I have never had a deal reversed. Four years ago I financed a 2006 Altima with about 23K miles on it for 16K through a great subprime lender. Ask them about Prestige Financial. They have a great rate reduction program.
Camry's typically hold their value well so I am a little skeptical about a 2012 Camry with 23K for only 16K. Check the CarFax report and make sure it wasn't totaled and ask them how they got the price so low so you understand. It could just be a dealer incentive but make sure you are not buying a totaled car as if you get in an accident, that car could easily take your life as they don't rebuild them right.
I have been through a Ch 7 & 13 two years apart from each other and my score is now a 724 and I received tier 1 lease financing through Acura Financial last month. Since the BKs I financed 3 cars with subprime lenders. Right after BK my score was 550 so I know how you feel. Just realize that I recovered and you will too!
Toyotas are very reliable. If the car wasn't totaled, I would say the deal is good and to go for it. Dealerships rarely go back on their word when they say they can get you done. Just do you part on the down payment and you will be good to go!
Sign up for credit monitoring and when your score hits 650 or so, consider refinancing for a lower rate. Congrats!!!
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You're welcome. If it was just a fleet car with no accidents, then I think it is a good deal especially since it is still under warranty. I would suggest taking it to an independent dealer for inspection before purchasing. If there is something wrong with it, have the dealer fix it first. Have the inspector make sure the parts are still genuine Toyota parts. Especially the body parts of the car. This will confirm that the car was definitely not totaled. Just tell them you would like to test drive it for a day and get the inspection.
Since you filed a 7, I think the deal is solidified. Congrats!!! You will get there. You are on the track.
Since you filed a 7, I think the deal is solidified. Congrats!!! You will get there. You are on the track.
That is a great deal Congrats!
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Starting Score: 08/29/2011 TU 671 EQ 674Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!
Take the myFICO Fitness Challenge
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