Can't you get a decent Cadillac for just $5k these days?
Come on..
Come on..
Getting straight raped by this auto loan I recently signed...
- Thread starter Klyk21
- Start date
Mr Uncle Leroy
All Star
the entire system screwed....
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
a lot of it is racist too...
might wanna look at crowdfunding, see if they are more lenient
did you got to drivetime or jd byrider?
if your score is below 650 you can forget about it
Ethnic Vagina Finder
The Great Paper Chaser
My girl got an 05 Jeep Liberty and was paying 28% interest. After making payments on time for a year (in addition to cc payments and paying off a secure loan) her credit score went from 579 to 768. She went to another Jeep dealership and they paid off what she owed on the 05, used it as a trade in and she drove off with a 2012 Liberty with no money down and 12% interest. If she makes ontime payments for a year the will refinance again.
fendi_mane
Banned
Cuz do yourself a favor and go take that bytch to the chop shop and sell the parts for money and then go dump the frame somewhere and collect the insurance money.
This thread makes me not want to become an adult
I don't understand a word of OPs post
Learn now before you get burnt bruh.
beenz
Rap Guerilla
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"
Where u live? I would have been on public transport or my bike before agreeing to a loan with a rate of 28%. Also, if u don't got a job, what u doin financing a car? That's a recipe for disaster.
beenz
Rap Guerilla
Man
???? Ur girl ain't 
with a 12% auto loan. My car, I paid like 5% back in 08. I considered getting a new car like 2 mOnths ago and they approved me for a loan @ like 2%. Don't be a sucker paying double digit interest rates. Cuz ur getting straight raped.
Non Sequitur
Creep.
I ain't going to dump on you bro cause you seem like a good dude, with good intentions and bad beats. I'm just going to keep it 100 with you man. Brotha to brotha.
You 27.
How much college you got?
You got your associates?
If not be realistic. You not graduating till you 30, most likely 31. Unless you come up on some job that pays well, you going to be struggling till then while taking out loans for college. You 9-10 years behind the curve by then.
Got no kids.
Don't do drugs?
pick one.
Considering OP isn't tied down and isn't very smart, this is probably the best choice
