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Hi everyone. I am new.Been lurking for a while. Also looking for a car loan. Certified used $ 2K down, possible trade (if my car isnt laughed off the lot). looking for 20K but will take up to 16-18 and up my down payment. (FICO 602 dec-walmart, high util, & collections, couple lates). Student loans 90K in deferrement, Chase SL are reporting higher than initially borrowed.
I am sending out GW & PFD tomorrow. I have been denied by Honda Financial, Chase, Cap1, & MCU. My car is on deaths door-not worth repairing...need to replace before it truly craps out. Can I recon an auto loan app?
Round up
40k income
2K down
possible trade maybe 1500
borrow 15-18K
What can I do?
Thanks so much for your replies
@BKFireFly wrote:Hi everyone. I am new.Been lurking for a while. Also looking for a car loan. Certified used $ 2K down, possible trade (if my car isnt laughed off the lot). looking for 20K but will take up to 16-18 and up my down payment. (FICO 602 dec-walmart, high util, & collections, couple lates). Student loans 90K in deferrement, Chase SL are reporting higher than initially borrowed.
I am sending out GW & PFD tomorrow. I have been denied by Honda Financial, Chase, Cap1, & MCU. My car is on deaths door-not worth repairing...need to replace before it truly craps out. Can I recon an auto loan app?
Round up
40k income
2K down
possible trade maybe 1500
borrow 15-18K
What can I do?
Thanks so much for your replies
Have you tried to apply at a dealership? And what kind of car were you looking for because if I were to make a recommendation I would suggest a Hyundai Sonata, my wife currently has one and you can find a good used one for 16-18k with LOW milage depending on your area. 2k will basically cover your taxes, tags and title with a little extra, so a little more like 3k would be alot better if at all possible or just make that trade in for 1.5k. With a 602 you are going to have high interest, but will probably be approved.
BTW Roadloans in near highway robbery, do not go with them.