Looking for car loan

[calixprynce]

I’ve never been down this road cuz I usually cop used cars with cash... but I’m looking to get a different car due to my current car getting near it’s end of life..

Where do y’all recommend I look around for loans? Last time I checked , my Fico8 was 660 per Experian. The car I’m trying to cop is around 10-12K. I would be willing to trade in my E350 Benz IF they offering a cool ticket..

Any help brehs??

 

[JerkPork]

Look at a local credit union before you do bank, they will usually give you a better rate.

 

[calixprynce]

Look at a local credit union before you do bank, they will usually give you a better rate.

Even if I’m not a member??

 

[JerkPork]

Even if I’m not a member??

yea, a matter of fact, go to lendingtree.com and put your info in. You'll be able to see a lender with the best rates.

 

[BigMoneyGrip]

I’ve never been down this road cuz I usually cop used cars with cash... but I’m looking to get a different car due to my current car getting near it’s end of life..

Where do y’all recommend I look around for loans? Last time I checked , my Fico8 was 660 per Experian. The car I’m trying to cop is around 10-12K. I would be willing to trade in my E350 Benz IF they offering a cool ticket..

Any help brehs??

I would tell you hit up a credit union but ya score type trash.. Best you hit up capital one auto loans they good with that subprime shyt

 

[calixprynce]

yea, a matter of fact, go to lendingtree.com and put your info in. You'll be able to see a lender with the best rates.

Do they do a hard pull?

 

[calixprynce]

I would tell you hit up a credit union but ya score type trash.. Best you hit up capital one auto loans they good with that subprime shyt

I done seen real subprime (which is 600 and lower) mfs get loans thru Ally . Capital one is my last go to, already pre approved with them for up to 15K

 

[JerkPork]

they do a soft pull to get you pre-approved. then once you choose a lender they will hard pull.

 

[Obreh Winfrey]

I would get all your credit scores from here FICO Scores & One-time Reports | myFICO because there are separate auto lending scores from your regular fico. That will paint a better picture of what type of rates you could expect when it's time to apply. You'll only need the one time score, but you should get it for all 3 bureaus.

 

[calixprynce]

I would get all your credit scores from here FICO Scores & One-time Reports | myFICO because there are separate auto lending scores from your regular fico. That will paint a better picture of what type of rates you could expect when it's time to apply. You'll only need the one time score, but you should get it for all 3 bureaus.

Ah hell I hope they don’t use those auto scores.. for some reason those are lower than my Fico8

 

[calixprynce]

I think I might just ride my car till the wheels fall off. I’m wayyy too picky about disposable income, bills, etc. I’ll lay it out until I NEED another whip . I can afford the $500 or so a month for car note and full coverage.... but damn I can spend that on drip or certs

 

[Obreh Winfrey]

Ah hell I hope they don’t use those auto scores.. for some reason those are lower than my Fico8

Expect the auto score. I applied for a loan recently and they used my Equifax FICO 8 Auto. If they had used my Experian Auto 2 then I probably would have got everything I asked for .

 

[⠀X ⠀]

Don't do it. A car payment is the worst.

 

[calixprynce]

Don't do it. A car payment is the worst.

maaaan. That's always in the bacc of my mind. I HATE paying bills. Im leaning towards waiting until my bday or just waiting until the car doesnt run anymore. I just want that 7 series or LS460

 

[⠀X ⠀]

maaaan. That's always in the bacc of my mind. I HATE paying bills. Im leaning towards waiting until my bday or just waiting until the car doesnt run anymore. I just want that 7 series or LS460

I wish I had paid mine off when I had the extra cash. I only have 6 months left on it though.

And yeah, I want something nice too, but I'm not gonna rush it.