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Car needed ASAP. Applied at local cu and denied. Have mortgage in my name and 4 accounts in collections. Earn 10,000 monthly befor California takes their 50%. where do I apply? No cosigner available. Multiple Late payments as going through divorce help!
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Credit Score:598
AAoA:
# of positive trade lines:
# of negative trade lines:
Income:
Lenght of Employment: 6.5 years
Previous Loan Experience:
Debt-to-Income (DTI):
Year of Car:
Miles:
Purchase/Refinance:
Requested loan term (XX Months):
Down payment amount:
Co-borrower/Co-Signer:
Other:
In your current situation, you would most likely not qualify for any mainstream lending. You may be able to do one of the buy here/pay here car lots, but that's about it.
Seems like your best bet would be to save a little bit of cash and buy a beater somewhere. With collections/lates/etc you are unliekely to be financed by anyone except at an insane apr (25+)
How many positive accounts do you have? Like are literally all the accounts on your credit report currently delinquent?
If you are not going to go the save a little cash and buy a beater route, at least try a place like Carmax first. You'll definitely get a high interest rate, but it'll be FAR better than a BHPH shop. In fact, I'd highly recommend you buy a beater before buying a BHPH car...BHPH places are generally terrible for the most part (there are exceptions, but those are few and far between).
@Lemonsquare wrote:
I was actually at carmax today and loved them! They were low pressure and when I found a used car I liked put my info on computer and got my 3 loans! I accepted the loan from wellsfargo at 10%. I know it's high but in one yearvim going to refinance!
That is actually an excellent rate for your score