Big Steve Posted March 21, 2007 Report Share Posted March 21, 2007 The whole purpose is credit!! The pymnt will not hurt me one bit. I am done with fox bodys. I could have got one for 1500 dropped a cobra block in it along with dat T56 and called it quit BUT that is not the way I wanted to go. Quote Link to comment Share on other sites More sharing options...
V8 Beast Posted March 21, 2007 Author Report Share Posted March 21, 2007 Having a cool car is fine as long as you can afford it. And with the way the world is now good credit is worth more than a dollar anyway. Children provided for - check Place to live - check Clothes on back - check money saved - check stable job - check cool car - check ability to mod cool car - check That 17% interest rate will open doors for lower interest rates with future homes, cars, and credit cards. Plus its an LS1 Quote Link to comment Share on other sites More sharing options...
Amy Posted March 21, 2007 Report Share Posted March 21, 2007 I was looking for a STI at Byers in Dublin and the salesman was amazing but I was mad with the fact they would only take 500.00 bucks off the car... wtf mate? Quote Link to comment Share on other sites More sharing options...
Guest 5.7 Posted March 21, 2007 Report Share Posted March 21, 2007 John thanks alot. I ended up getting that car from byers. CR you know wassup. The goat is ready for surgery. Check back in a few months or pull up beside me and see what it has haha!!! did you pick up the silver GTO they had? Quote Link to comment Share on other sites More sharing options...
Amy Posted March 21, 2007 Report Share Posted March 21, 2007 did you pick up the silver GTO they had? OMG DeeJay when you get another car! Quote Link to comment Share on other sites More sharing options...
wnaplay1647545503 Posted March 21, 2007 Report Share Posted March 21, 2007 I have sent about a dozen emails to their website without a single response in 2 months. Quote Link to comment Share on other sites More sharing options...
Guest powers Posted March 21, 2007 Report Share Posted March 21, 2007 Open some secured credit cards. Do not worry about carrying a balance. Once these have been open for 12 months you will get the security deposit back. You will then qualify for a standard card. This will help your score more than any installment loan. Your use of open revovling credit is the best judge of your financial responsibilty. Quote Link to comment Share on other sites More sharing options...
Bam Posted March 21, 2007 Report Share Posted March 21, 2007 Open some secured credit cards. Do not worry about carrying a balance. Once these have been open for 12 months you will get the security deposit back. You will then qualify for a standard card. This will help your score more than any installment loan. Your use of open revovling credit is the best judge of your financial responsibilty. +1, did this for my ex and she's MUCH better off now, even got a nice car loan and decent rates/limits on CC's. And I know what your saying about building credit with a car loan, but it doesn't matter if its a $20k car or a $5k car, either way, you make the payment everytime, on time, its all the same in building your credit, you just save a helluva lot of money to get there. Quote Link to comment Share on other sites More sharing options...
John Bruh Posted March 22, 2007 Report Share Posted March 22, 2007 I have sent about a dozen emails to their website without a single response in 2 months. whos webiste? because if your talking about ours its through diamond lot and its fucked up and we havent been getting them. Quote Link to comment Share on other sites More sharing options...
Mallard Posted March 22, 2007 Report Share Posted March 22, 2007 I could get a better rate if I financed with my credit card... http://www.capitalone.com/autoloans/loans/index.php?linkid=WWW_1106_AUTO_09_HOME_C1_03_T_ALNU No credit or not, I think they're screwing you. Do you have any family members that are teachers in Ohio? You can get great rates throught their credit union. Quote Link to comment Share on other sites More sharing options...
John Bruh Posted March 22, 2007 Report Share Posted March 22, 2007 No credit or not, I think they're screwing you. Do you have any family members that are teachers in Ohio? You can get great rates throught their credit union. thoes rates arent that good, ive fianced with those companeis before. Quote Link to comment Share on other sites More sharing options...
Guest powers Posted March 22, 2007 Report Share Posted March 22, 2007 To get better than this you will need to get manufacturer financing. LOAN TYPE TODAY +/- LAST WEEK 36 month new car loan 6.86% 6.89% 48 month new car loan 6.95% 6.99% 60 month new car loan 6.94% 6.98% 72 month new car loan 6.69% 6.69% 36 month used car loan 7.45% 7.46% Quote Link to comment Share on other sites More sharing options...
Guest 5.7 Posted March 22, 2007 Report Share Posted March 22, 2007 OMG DeeJay when you get another car! I picked up the goat on monday.. Quote Link to comment Share on other sites More sharing options...
V8 Beast Posted March 22, 2007 Author Report Share Posted March 22, 2007 17% is the lowest available based on credit history. I've already talked to friend to see how they came up with that 23% in the first place. Her answers made perfect sense. I know what I'm doing when it comes to credit, and I have my resources. I should have called her before I went up there but I wasnt thinking. Quote Link to comment Share on other sites More sharing options...
Mallard Posted March 22, 2007 Report Share Posted March 22, 2007 thoes rates arent that good, ive fianced with those companeis before. http://www.fcsefcu.com/1.php As low as 6.29% on a 'new' car. Now, granted, he probably won't get that rate, but in 2003 I got a rate lower then that on my first new car purchase with my mom as a co-signer. Even last year I was only able to get a rate of 5.76% after calling a bunch of different places, so I wouldn't consider their rate too bad. Quote Link to comment Share on other sites More sharing options...
John Bruh Posted March 23, 2007 Report Share Posted March 23, 2007 we just sold a guy an 05 duramax with 108k on it, he got 6.55% @ 72months thats pretty much unbeatable, (.....proves his point.....then walks away) Quote Link to comment Share on other sites More sharing options...
MrMeanGreen Posted March 23, 2007 Report Share Posted March 23, 2007 John, you still need to talk to me about advertising like before. You're all over the place around here. Quote Link to comment Share on other sites More sharing options...
nurkvinny Posted March 23, 2007 Report Share Posted March 23, 2007 I didn't read the whole thread, but double-digits is too high. Spend some time with a few local banks and get pre-approved for the loan from the lowest bank. My current loans are each 4.5% through 5/3. Nothing says you have to use the dealership's financing. Sorry if I missed it, but were you co-signing the loan? Quote Link to comment Share on other sites More sharing options...
V8 Beast Posted March 23, 2007 Author Report Share Posted March 23, 2007 I co-signed. 17% is about as they would go with both of us on the loan. After talking with my friend the lendors felt he was a liability. Byers also checked with 3 places (the second time) 2 of which rejected them. He will be able to refinance in a year without me on there for under 10%. Over that much time its not a huge dent in the pocket. Here are(were) the interest rates for my cars. TA - 2.99% Stratus - 5.99% Envoy - 6.37% I know how to work lendors, but in this situation I didnt have enough leverage. Quote Link to comment Share on other sites More sharing options...
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