Family Man
Banned
Damn. Is that even legal?
Getting straight raped by this auto loan I recently signed...
- Thread starter Klyk21
- Start date
Damn. Is that even legal?
Klyk21
Hate is Rising, Love is Dying....
I didn't go there first man. I applied at carmax, ford and another dealership before even considering a buy-here lot. If I DID not get a car THAT day, I would have been laid off from my temp job (most likely.... because I would have had missed 2 consecutive days and only had been there like 1 1/2) and probably homeless or very close to it today because I wouldn't be able to get back and forth to work) In hindsight, I could've went to another guy around the corner and he said he had a civic with 100k miles or so for 300 a month 7000 sale price but I'm sure his loans % weren't much better considering. Only problem is that I put down 600 the day before I got the car and the deposit was non-refundable (didn't read fine print
Why would you even sign that breh
) so I was pretty much stuck with the dealership at the least. I could've probably got another whip but wasn't much out there that didn't scream lemon IMO. Trust me. I applied for a honda accord 03 at carmax (black on black...leather interior) and got declined bruh. That's the second time I've gotten decline for a fukking accord!!! I ain't trying to go to every dealership around, filing credit inquries and fukking my credit up further. I look at it likes it's just money, it will come back around. I will not be broke forever. That's why it's just me out here. Can't even imagine having kids right now with them seeing me struggling out here like this. I want them nikka's to look at me like 
not like....
when I have them lol. (that scusthov gif is classic shyt)
the artist known az
Hail the victors
You were better off getting a car loan through the mafia 
what is your monthly payment?
what is your monthly payment?
Burn that car asap.
go to a credit union and refinance that loan. you can turn 28% into 2.8%. all you'll probably need is a FICO score of about 680 or so.....
1) 28 % interest rate
2)finance charge is 1,972
3) financed 6000
4)number of bi-weekly payments....52 @ 150 a piece
5)put down 1300 but with all the fees and shyt...seems like i aint put down shyt!
6)9479 OWED for an 01 car (yeah nikka im private) with 120k miles man
Had about 3000 in the bank back in May after I quit my job but I couldn't find another job that was steady all summer (temp jobs...then laid off after 3days/1week/ respectively) and ended up having to dip into my savings to survive. Well fast forward to 2 weeks ago and my car (spent 11k for it and it was only worth about 4k) which I had for 6 years and recently had paid off only 2 years ago, broke down. shyt was leaking oil/coolant pipe busted as well and I had no idea oil had been going down. Shop said it was pretty much toast so I was forced to buy a car in 1 day. Applied at carmax and ford and got declined. I'm like.....I paid fukking 11k in payments ON TIME cuz for 3 years straight and nobody can approve me b/c I got 1 past due account on my shyt?! Pay all my bills ON TIME and everything!!! I was pissed off that day man I swear. Straight ready to take the Pt140 and do the damn thang at a bank. fukking credit!! I hate that shyt!!! Then one guy asked me about how long I had been on the job and I was like 3 months (more like 3 days but w/e) and he was like "we don't mess with temp agencies as signs of employment"Really tho bruh?! Man fukk him. Then strolled on over to the buy here -pay here used car dealership and got approved for 28% and the foreseeable future being fukked for me right now....Man....fukk this shyt
do yourself a favor and never finance a car at the dealership. go to a credit union and secure your financing then take what you get approved for and go find a car that cost less or close to it.
you basically bought a $4000 car. hope you got a lil more saved up cause that shytty buy here pay here warranty is gonna run out very fast and no way in hell a $4000 car doesn't need at least some type of work.
Dude got a higher % on his car than people get on store credit cards
for real man, my ex just bought a 01 honda with 97 miles for 1500 and it runs good
Klyk21
Hate is Rising, Love is Dying....
Yeah my fico isn't that good but ill give em a shot.
Any experience refinancing a used car loan ? From what I know, most won't touch a 10+ year old car that only cost 4k from what the thread starter said, but bought for 6k plus. Too much risk for little gain in interest payments. If he fukks around and defaults they will end up with a big loss.
Ethnic Vagina Finder
The Great Paper Chaser
I got my first car when I was 19 and in the Marines.
I aint have no credit and my apr was 25%.
The first year I was paying interest alone. Direct Deposit.
I tried to refinance and they was like nope.. So I killed the direct deposit, told them to come get that peice of shyt car and stick it up their ass.
I aint have no credit and my apr was 25%.
The first year I was paying interest alone. Direct Deposit.
I tried to refinance and they was like nope.. So I killed the direct deposit, told them to come get that peice of shyt car and stick it up their ass.
1) 28 % interest rate
2)finance charge is 1,972
3) financed 6000
4)number of bi-weekly payments....52 @ 150 a piece
5)put down 1300 but with all the fees and shyt...seems like i aint put down shyt!
6)9479 OWED for an 01 car (yeah nikka im private) with 120k miles man
Had about 3000 in the bank back in May after I quit my job but I couldn't find another job that was steady all summer (temp jobs...then laid off after 3days/1week/ respectively) and ended up having to dip into my savings to survive. Well fast forward to 2 weeks ago and my car (spent 11k for it and it was only worth about 4k) which I had for 6 years and recently had paid off only 2 years ago, broke down. shyt was leaking oil/coolant pipe busted as well and I had no idea oil had been going down. Shop said it was pretty much toast so I was forced to buy a car in 1 day. Applied at carmax and ford and got declined. I'm like.....I paid fukking 11k in payments ON TIME cuz for 3 years straight and nobody can approve me b/c I got 1 past due account on my shyt?! Pay all my bills ON TIME and everything!!! I was pissed off that day man I swear. Straight ready to take the Pt140 and do the damn thang at a bank. fukking credit!! I hate that shyt!!! Then one guy asked me about how long I had been on the job and I was like 3 months (more like 3 days but w/e) and he was like "we don't mess with temp agencies as signs of employment"
Wow did you have a woman negotiating your terms for you
You really wanted to floss huh.
the artist known az
Hail the victors
They always try to rape 1st time buyers...my car was like 17%, paid that bytch off & hopefully will never have a car note again 
when i didn't know anything about financing a car i went to a buy here pay here car lot and financed a $13,000 car. after all was done would have cost me $19,000.
i went to my credit union to apply for a new credit card and they ran my credit report. the lady was shocked as hell. she basically said why the hell would you who has a 715 credit score go to a shythole place like that and finance a car? the credit union bought the loan from the car place and in the end they cut my loan down to like $14,000
