Credit score 500, month 1/2 on new job.....

[Carloscda40]

I've tried 3 Honda dealers, only one will give me a shot which is Conicelle. Because of the low CS(heavy CC use) & time on the job the only vehicale they have for me threw the only bank that will pick me up is a 04 Nissan Xterra 73k miles.

Is this a good deal? I know I should wait another 6mos but not an option right now.

Thoughts...

[Booner72]

How much do they want for the car?  What will your interest rate be?  How many months?

[Carloscda40]

It's threw Santander, 12K, rate will be 21%(YES I KNOW) for 48mos, paymentments $350.

Doing some more research I've seen people mentioning Carmax and they deal with Santander. I went to their website seen a few cars that I like around that range.

So tomorrow I'll see what Carmax says and take it from there.

I have to the end of Monday to let Conicelle know what my decision  will be before the deal expires.

Thinking just keep it for 6mos or so build my credit and trade for what I really want.

Monthly income is $4500