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Where can I get some financing for a new or used car if my credit is not too hot right now??? |
My credit score is 418, I lost my job last year and it took me about a year to get another one. I could not keep up with my bills and they all went into collections. I only had 4 months left to pay off my car and could not even do that, now it is showing up as a repo on my credit and I still have it. I was never late on any payments until my stroke of bad luck and now I'm stuck between a rock and a hard place. I currently make $50K a year and with my bonuses and incentives I can easily make $200K. I'm a college educated sales professional, but when people are pulling up my credit report they think I'm some dead beat. It's as if no one else has ever been through rough times financially and its driving me crazy. On top of that my current car(98' Nissan pathfinder) is worth $4,500 and needs $6K in repairs. I've paid off two of my debts so far and will probably be debt free by December; but I need a car NOW. If someone can help me find financing it would be greatly appreciated. thanks!!! Your credit is in the toilet. If you need a car now, go to one of those "buy here, pay here" lots. You'll pay more than the car is worth and you'll have an outrageuos interest rate. But you will have a car. You'll also have an opportunity to rebuild your credit. If you don't go too fancy you should be able to get descent transportation for an almost affordable price. All I can suggest is find a strong co-signer Since you don't pay your bills, you should be walking. try public transportation until your credit rating goes up. Go to the dealership . . they have some really good credit programs & can usually get you hooked up with a loan even if your credit isn't great. . . . you just gotta talk to them. If you dont have alot of time then skip the salesman & go right to the credit guys . . have'em run your credit & see what they can do before you pick a car. If you have that kind of income, you should be able to buy a used car without needing to finance it. you need to clear up your credit report...the repo on there is what is hurting you..till you get that done you will need a good co signer |
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