Is there a way to get a reasonable car note with poor credit?

[HeavyTheDon]

Go get a Chevy Aveo and pay it off within a couple of years abd make certain to pay all of your other sh1t off in the mean time. By 2018/2019, you can finance a nice whip at a decent price.

 

[the artist known az]

I wish I had done that instead of taking out a car loan stack up like 10k, cop a nice 06-07 Accord with low mileage for like 7k, and have some bread left over for maintenance. The best thing you can do is avoid acquiring unnecessary bills

We all been there....I once bought a brand new car, I had the intentions of getting a used Accord

 

[rlg]

There are a few things that can help.
1) Negotiate the price of the car. The dealer will usually ask what do you want your payments to be and then lock you in to something higher than you want and longer terms
2) They'll ask what do you want to put down. Tell them that you dont know. When you see the offer sheet you them up your down payment for a lower interest rate and a lower price of the car.
3) Tell them that you aren't paying any bullshyt fees that they try to tack on
4) Be prepared to walk if they aren't talking right.
5) You may try a site like carguru's and look to see how much the car is marked down.
6) Go to your bank and see if you can get a loan. Get your money up for a big down payment though.

 

[GetInTheTruck]

Avalon is for old folks.

You should be looking at used cars. You can get something decent for under 10 gs. I recommend a Subaru. low maintenance, all wheel drive, and reliable.

Honda's are good but everybody has one. And Toyota's interiors are garbage.

 

[levitate]

Perhaps it would be better to get a bike or bus ticket until you get your credit up first.

 

[street heat]

Toyotas are ugly AF.

 

[shutterguy]

Have bad credit and ask for advice on how to make more bad credit decisions brehs

With that credit score, I would recommend taking the bus.

The Coli never fails...........

Get the best running car for the least amount of money & fix your credit

In order to fix your credit, we need to know how you fukked it up

The best advice in the thread, buy a beater and get your credit straight. The money you trying to dump into a payment could help get your credit back on the rise.

 

[FUPA]

fix your credit with the right moves when my credit was shyt 512 within a 2 months i shot up to 732 and got me a nice whip with low payments and 0 financing

 

[Playeroni]

fix your credit with the right moves when my credit was shyt 512 within a 2 months i shot up to 732 and got me a nice whip with low payments and 0 financing

How did u do this

 

[the artist known az]

fix your credit with the right moves when my credit was shyt 512 within a 2 months i shot up to 732 and got me a nice whip with low payments and 0 financing

 

[Big Daddy]

Buy cheap(but reliable) cars.
I drive an 04 crown vic police intercepter that is going to outlast 70% of the vehicles on the road today, and it only cost me $3000.00($169 per month payments)

 

[FUPA]

Clearly you dont know shyt about credit repair so keep it moving.

How did u do this

It takes time and some work. Gotta really dedicate money and time to see it thru to the end.

Open trial accounts on Experian and TransUnion print out all the things that are negative on your account.
Submit Disputes with both agencies for discrepancies that might affect you. (paid off accounts, old addresses any incorrect info.)
Start paying all the hits you on your account. If you dont have the cash you can pay the settlements in 2-3 months. I paid them completely for faster result. Also they take 60-50 percent so work em with not paying more than that.
If you pay make sure they give you a mailed letter stating you have paid off collections.
Submit letters to both agencies and keep track do call backs to collectors asking them when do they submit update to credit bureaus.
Make sure they word the accounts as paid off with 0 balance. Some are fakkits and submit it as settled but still say you owed x amount which looks bad.
What gave me most points and this is where its good to be good with family. Have them add you to credit cards. I had my moms and sister add me to a total of 10 cards. This adds their credit history to yours so if they had a best buy card for 10 years no you have 10 years. You get around 10-15 points per card.

Also at this point youll need to be creating your own revolving credit. I suggest open a account with my jewelers club pay the $100 fee and they approve you instantly for 5k revolving credit.

This is what these credit repair people fukk you with asking you to drop $500-1k to help here you go for free.

 

[Icantspell]

Sonatas are cheaperso get that used.

 

[VelourSocks]

nikka just got a good job and he talambout big body benz

 

[the artist known az]

Clearly you dont know shyt about credit repair so keep it moving.

I haven't seen or read anywhere that someone raised their credit score 200 points in 2 fukking months. Yeah I don't know anything about credit repair but my score is over 750