Non Sequitur
Creep.
You said you made some credit mistakes when you were younger. Don't make some more trying to fall into this consumerist trap.
wat yall think?
- Thread starter ejthompson23
- Start date
ejthompson23
Vagabon
Yea I know better...bt I feel like I been sliding backwards since I got married...I had to give up my 2008 Infiniti...dats the car who made me...on a personal success angle I always had nice cars...now I'm sharing a 2009 Malibu wit my girl
...dat cnt be life bruh..
Non Sequitur
Creep.
18%, though? That's rape.Yea I know better...bt I feel like I been sliding backwards since I got married...I had to give up my 2008 Infiniti...dats the car who made me...on a personal success angle I always had nice cars...now I'm sharing a 2009 Malibu wit my girl
ejthompson23
Vagabon
I know but your boy credit aint shyt...my shyt 485...the other APR offers I got was in the 20% range...I figured I'll do this now and refinance a year later at half the %...my credit should be close to or at 600 by then...
Non Sequitur
Creep.
If you think you can make the payments for a year then go for it. I still think financing is a bad idea. You're still gonna pay a couple thousand more than the sticker price, and you'll be lucky if the car is worth half that by the time it's paid off.
ejthompson23
Vagabon
A couple thousands is not bad...and my plan for paying it is I get $4500 a year on income tax returns...if my payments is $450 a month dats 10 months of income tax payments right there...basically my car paid off for the year every year...I wont spend a dollar out of pocket
The Realist Perspective
Superstar
Man you said you get paid well so wtf...save up for a 4000 dollar corolla used corolla..
the artist known az
Hail the victors
You said the same thing about your credit too didn't you?
Don't learn from your previous mistakes brehs
ejthompson23
Vagabon
I hate corollas doe...I had a 2008 g35 I bought for $10k 2 years ago at 22 years old...to be driving a corolla at 24 would be me moving 10 steps backwards...
ejthompson23
Vagabon
I'm actually trying to fix my mistake...I didn't care bout my credit before...I left bills unpaid since my income was good enough to buy cars cash...You said the same thing about your credit too didn't you?
Don't learn from your previous mistakes brehs
the artist known az
Hail the victors
How do you think your credit is gonna go up that quick if you still got negative marks on it? Unless it's been 7 years it still gonna affect your score. You'll get it higher than 485 but it ain't gonna be a big increase like you thinking it is
The Realist Perspective
Superstar
You're hustling backwards...point A to point B homie...the fukk. Fix your credit and worry about stunting on unknown people later.
What Taadow said is right. I currently drive a 2013 ATS4 and while I do mostly city miles my mpg currently sitting at 20. Now depending on the engine you might pull ~26 and you might have to put prem. fuel also.
But IF you can afford it then do you, but trying to fake the funk will only get you so far. You might see it as hustling backwards, think of it as a calculated step sideways in order to direction your funds elsewhere.
ejthompson23
Vagabon
I got 3 plans...I can pay this car witout ever taking money out my own pocket...only thing ima pay is down payment and insurance...
ejthompson23
Vagabon
Dats the best way to fix my credit...I tried getting a secured credit card and I got denied...Idk what to do at this point...even wit a high ass 23% APR I still got declined...