Established Member
Posts: 16
Registered: ‎09-15-2012
Can you negotiate loan length terms with Roadloans?

I was pre-approved last night for $19k @ 11.99% for 36 months. I was actually supprised with that rate as I have two unpaid charge offs still on my report and only a 607 FICO. I do however make over $60k so maybe that had something to do with it. 


Is there anyway to negotiate the length of the loan? I am putting down around $6k anyway, but the vehicle I want is around $22k. So I am really trying to finance roughly 16k @ either 48 or 60 months. What are my options? CU isnt an option as the car is over 7 years old.