Wednesday, May 26, 2010

When buying a new car with loan, my credit?

I am a graduating student so I don't have any credit score yet. But is it possible to buy a new car with loan?



And I have my own car which has been paid off in full, which I bought 4 years ago with loan but anyhow it's paid off.



When buying a new car with loan, my credit?

You paid of a car?



Trust me, you have a credit score.



you'll have no problem getting a loan.



When buying a new car with loan, my credit?

So you have no credit score, but have your own car that you took out a loan on and it's paid off. Are you sure you graduated?



When buying a new car with loan, my credit?

Yes it is possible to buy a new car without a credit history. I would put down the past loan you had as a reference if you made all the payments in a timely fashion. Good luck! By the way, look around for the best auto loan rate too!



When buying a new car with loan, my credit?

If you have a job and a decent trade in you can probably get a loan from the dealer.



When buying a new car with loan, my credit?

If you got a loan for you current car, that loan reported to the credit bureaus, which means you have credit, and by having credit, you have a credit score. If someone co-signed, that means the loan appears on their credit also.



Here are the factors you're going to run into when applying for the new car. 1) was the amount of the car loan near the amount you want to borrow for the new car, 2) what is your income, 3) how long have you been on the job, 4) what's your credit score.



The things banks look at are the ability to pay back the loan (income vs. debt), the stability of the person applying (length at residence/job), the collateral (is the car worth what you want to borrow) and previous credit (have you paid other people as agreed).



If you had a previous loan for (say) $8,000 and want to buy a $30,000 car becuase you just graduated and have a job. You won't be approved at a good rate...regardless of you credit score.



Here's my advice (from a guy within the dealership world). Unless it's falling apart, drive the car you have until you have at least 6 mos. at your new job. While you are waiting, save a couple hundred bucks each month (or whatever you can afford) toward the down payment. When you have established 'stability', go shopping for a new car. Get a copy of your credit report, and pay the additional $ for the score. This will tell you what to expect. Over 700 is perfect, 650+ is great, 600+ is so-so, under 600...keep building credit.



Then decide on the car and go to the dealer with your downpayment. By having a good amount of money to put down, it lets the bank know you are serious and could result in better financing APR than if you had nothing to put down.



Don't rush into it. Just because you're graduating and getting a job doesn't mean you immediately have to go into debt.



Good luck.

If I refinance my car loan will my credit score go up?

Seems to me it should cause ur paying off one loan and opening another



If I refinance my car loan will my credit score go up?

It would equal out. Paying off a loan is good, but it will reflect another account being opened. I don't think it will effect your credit score all that much one way or another.



I've had good luck here...



http://auto.deal4-you.com



All the best to you.



If I refinance my car loan will my credit score go up?

If you pay on time and keep up,,yes your credit score will go up in time,,



If I refinance my car loan will my credit score go up?

I believe it will.



If I refinance my car loan will my credit score go up?

If you refinance the car loan, you STILL owe the same amount. If your FICO score changes at all, it will go DOWN temporarily as a result of a new inquiry on you credit.



If I refinance my car loan will my credit score go up?

Today every person has need of car, because it has become the necessary need for the people and status symbol also. If you have bad credit history or poor credit history and look for purchase a car, then it is very tough for you. Due to bad credit history, lenders are not keen toward%26lt;!--providing you loan, but do not be discouraged.Generally, bad credit car loans are available at higher interest rate, but you can take at competitive interest rate after placing your assets as collateral in secured bad credit car loan. You may find some car loans here,



http://best-loans.awardspace.com/guarant...



You also can grab bad credit car loan without keeping your asset as collateral, but you have to pay competitively higher interest rate. Hence--%26gt;you can take this loan at better rate, because competition among lender.You can reduce your interest rate after talking with the lender



If I refinance my car loan will my credit score go up?

Under your condition,I advise here for you to have a visit.http://carloan.featured-resources.info/c...

Refund of deposit for car loan?

recently, i had sign for a agreement on purchaing a mitisubi lancer and the dealer A(is a fren's fren) actually try 2 different bank to approve for my loan. Just after signning the agreement get to found out from dealer B that the charges that dealer A charge is higher.. Am i able to get the refund from dealer A as he's actually not honest. Dealer A is authorise dealer and dealer B is from the mitisubi co.



Refund of deposit for car loan?

Nope. Once you sign that paperwork to take the care it is yours. There are no buybakcs, refunds, exchanges, nothing. So just deal with it and be happy with the deal you got. Sorry but it is true.



Refund of deposit for car loan?

you can get the money back if you did't sign anyhing that stated that you were bound to loose the monies but if you did sign the dealer can keep the money



Refund of deposit for car loan?

If you've signed the contract, then the only way you'll get your deposit back is if they can't get you approved for financing or they committed fraud. Sounds like neither so you're kinda screwed.



You could plead with them that you need to back out because a family member's sick or something (even if it's a lie). But don't tell them you want to back out because you found a better deal elsewhere.....



Refund of deposit for car loan?

once that paperwork is signed..its yours..theres no refunds.



why'd you buy a lancer. therecrap! ive had one!



Refund of deposit for car loan?

A purchase agreement may just be the initial %26quot;buyers order%26quot;. That is all refundable until you sign the finance agreement or take delivery of the car.



I must stress though that there doesn't sound like enough for you to go cancel. Remember, you left a deposit and they worked hard on getting you approved. If you pull the deal from them, you made them work for nothing.



I'm sure you don't work for nothing, Right?



Refund of deposit for car loan?

Deposit.



Refund of deposit for car loan?

If you signed your father name at the advice of the dealer then you both have committed a crime. His i feel a little more serious as he should know better. You as well but you may have some pull to get the deal nullified - signing on someone behalf is not the same as what you did. Clearly disception.



Refund of deposit for car loan?

See a Lawyer, QUICK. There looks to be a lot of legal issues here, and depending on the state you live in, there might be a %26quot;Buyer's Remorse%26quot; law.



Refund of deposit for car loan?

Hey brother, you are hilariolus!



Obviously you are in the car business. Anti -ray glass. Too cool.



Go ahead, give me the best answer and lets get to the next fruitcake out there on the lot.

Where can I get an car (motorcycle) loan on Presidents Day?

I had planned on getting a motorcycle loan from the bank on Monday, but I am pretty sure that they are going to be closed. So where can I get a car (motorcycle) loan on Presidents Day?



Where can I get an car (motorcycle) loan on Presidents Day?

Everybody who takes your money for free is closed on holidays. They already get enough money. The others have sales. Lucky you got the day off, like a bank worker. The rest of us working stiffs don't. Who's a moron?



I've had good luck here...



http://auto.deal4-you.com



Hope that helps.



Where can I get an car (motorcycle) loan on Presidents Day?

You will still be able to get a loan at the dealership you are purchasing the vehicle at. If you have done your home work and know what a good rate is for some one with your credit rating, it is far easier to just do all the paperwork at the dealership if they can match or beat the rate. This can also give you greater negotiating leverage on price as dealerships make money off of the financing of vehicles.



Where can I get an car (motorcycle) loan on Presidents Day?

nothing will be processed on Monday



Where can I get an car (motorcycle) loan on Presidents Day?

Under your condition,I advise here for you to have a visit.http://carloan.featured-resources.info/c...



Where can I get an car (motorcycle) loan on Presidents Day?

Hello Everybody,



My name is Cynthia Trust, i live in U.K. just a few month ago i was in search for a loan of 閳?7,000 Pounds as my family was running out of money for feeding and my education. i was scammed about 閳?520 Pounds and i decided not to involve my self in such business, finally colleague of my introduced me to a loan firm due to my appearance and doings. I made a trial and i am most grateful am i today, i was given a loan amount of 閳?9,000 Pounds by this great firm Luckson Loan Inc. managed by Mr, Jerry Luckson.



If you are in need of a ganuine or legit loan or financial assistance and you can be reliable and trusted of capable of paying back at the due time of the funds i will advice you to, contact him vai email jerryluckson41@yahoo.com and free from scams in the net.

Can I refinace an car loan ?

I have made 19 payments on my 60 month loan



Can I refinace an car loan ?

Yes you can.



You'll want to check these guys out....99% approval they say.



http://www.123thebest.info/go.php?link=a...



Hope that helps.



Can I refinace an car loan ?

If you think that you are paying a higher repayment amount for your existing car loan%26lt;!--then you can bring it down. With the help of refinance car loans, you can switch the loan plan with effective loan management.



http://best-loans.awardspace.com/refinan...



If you think your lender is charging a higher interest rate on your car loans then you can look at the refinance car loans option. With the help of a refinance car loan, you can avail multiple benefits. Firstly, you may reduce--%26gt;your monthly costs. Secondly, you may avail a competitive interest rate. Thirdly, you could be getting a flexible repayment period. Overall, you will be managing your loan a lot better.



Can I refinace an car loan ?

credit unions have the best rates for refinancing, find you local credit union here: http://www.creditunion.coop/cu_locator/i...



Can I refinace an car loan ?

very intereting question.Suggest you have a look here for useful tips.http://carloan.featured-resources.info/b...

Can i get a car loan with.....?

as of today my credit score is about 500 (very, very poor i know) i am now in the postion to pay my debt off (about 7,500)



will paying off my debt totally within the next 4 months raise my credit score do i have to wait the 6 months before my score reaches 600 plus....or will it be increased once paid off



im looking to get a car laon by january 2008



with about 3k down...



Can i get a car loan with.....?

Your plan is outstanding and very realistic. I wish all my customers would consider this kind of big ticket item with such forethought. Bad thing do happen to good people, but you are the kind of borrower I think could change this %26quot;bad credit%26quot; %26quot;bad risk%26quot; mentality.



What will happen once you pay the debt off is that the next billing cycle that each individual company reports to the bureaus will now show the debt paid off. You will see an improvement within 60 days of that. The below credit bureaus will allow 1 free credit report annually, highly recommend you check (if you haven't already) to see what else might need revised. The companies will stop updated and these accounts now showing will have less and less of a impact as time goes on.Then work on getting your car, and shop around.



Hope this helps and good luck!



Can i get a car loan with.....?

Today every person has need of car, because it has become the necessary need for the people and status symbol also. If you have bad credit history or poor credit history and look for purchase a car, then it is very tough for you. Due to bad credit history, lenders are not keen toward%26lt;!--providing you loan, but do not be discouraged.Generally, bad credit car loans are available at higher interest rate, but you can take at competitive interest rate after placing your assets as collateral in secured bad credit car loan. You may find some car loans here,



http://badcredits.awardspace.com/guarant...



You also can grab bad credit car loan without keeping your asset as collateral, but you have to pay competitively higher interest rate. Hence--%26gt;you can take this loan at better rate, because competition among lender.You can reduce your interest rate after talking with the lender



Can i get a car loan with.....?

You can get a car loan with any credit score. It all depends on how much you have to put down. My wife and I got a car loan together and my credit score was 510 and hers is 541. We got a loan through Chase bank with a down payment of $750, but we had an awesome loan officer through the dealer. The only drawback of bad credit is that the interest rate is going to be high, at least 20% or more depending on the state you live in, but most banks will finance with a down payment of $3000 regardless of credit. Also, if this is your first car loan, don't expect to walk into a dealer and get the car you want. I am not saying that it is impossible to get the car you want because we did. Here's some advice, make a list of the cars you want, preferably pre-owned. Shop at the dealers that have the cars you like. Don't stop at one, shop around at a lot of places. See which one gets you the best deal. Whatever you do, DO NOT let them run your credit unless you are ready to buy. Instead, give them your credit score and have them see what the finance manager says you can afford. Many dealers say they can get you the financing, but then after they run your credit their story changes and they try to force you buy a car you hate. Shop around and do not let them push you into the sale. If they start getting pushy, you have the power to walk out, at that point they start throwing empty promises at you. My point is that they do not care about you, they care about their wallets and making more money for them. The biggest scam that dealers try to pull is getting you in for an advertised deal, then denying you for the insanely low deal and trying to sell you a car that is more expensive. My wife and I found a 05 2 door cavalier we liked at a very good price. It was $4995 sign and drive. They tried to sell it to us for $6500 saying the bank charges fees for first time buyers, blah blah blah. They denied us for the car but could approve us for a 2001 Nissan Sentra with almost twice the mileage and twice the price at $10,995. We walked out and bought a car we wanted at a price we wanted elsewhere after months of research. Do your homework and make your payments on time or early. After 18 months you can refinance and get a lower interest rate. After 24 months, you can trade it in and get a car you want, most likely brand new and have a much much higher credit score.



Can i get a car loan with.....?

I'm curious. Do you think you'll get an answer you like better by reposting the same question every hour or so?



Your credit sucks. Cleaning up your debt is a step in the right direction. You are still going to have to have a minimum of 6 months on time payment history.



Figure out how to get more money and pay off all the debt faster.

How do I get a car loan when I have really bad credit?

My credit has always been poor and I can't seem to get ahead enough to fix it. However I finally got a good sales position that requires a lot of driving and I need a reliable car. If I can do well in this position I can easily afford a car but no one will give me the time of day!!



How do I get a car loan when I have really bad credit?

Financing another car will not help your credit.



Wait save the money and pay cash for a newer used car (people trade in 2 year leases all the time)



In the meantime hire a reputable credit repair company and pay your bills on time!



Much success in your new job!



How do I get a car loan when I have really bad credit?

you can get a loan but they will have to be through the financing of the dealer. you will overpay in interest rates since you are a risk. look for a reliable used car and make sure you always pay on time and then your next car can be at a better rate, good luck in the sales job



How do I get a car loan when I have really bad credit?

Go in a different direction. When you do finally get a car loan, something else will become an issue.



Rethink everything.



How do I get a car loan when I have really bad credit?

Don't! You can get a reliable car for $2k (I have 4). You have %26quot;poor%26quot; credit b/c you keep trying to fix your credit by borrowing instead of fixing your money situation by saving for emergencies %26amp; large purchases, etc. Go listen to some of the archives %26amp; search around on the website below. It will change the way you think about credit.



How do I get a car loan when I have really bad credit?

pretty good list of bad credit auto lenders



http://www.wesayes.com



How do I get a car loan when I have really bad credit?

Don't pay attention to the people on here who are trying to Scam you. Beware of Advance fee Loan scams.



LOAN SCAM - Do Not Pay UpFront Fees.



Do not send money UpFront via Western Union or MoneyGram to any person or business in the UK, Nigeria or Canada in hopes of getting a loan. If you do you will learn a hard lesson %26amp; never see any Loan money.



Remember, if it sounds too good



to be true, it probably is! NEVER give out your personal information to strangers online! Always be on guard.



How do I get a car loan when I have really bad credit?

People-to-People Lending. It's an old idea that's new again.



People who need money request it, and other people bid for the privilege of lending it to them. Prosper makes sure everything is safe, fair and easy.



Until now, financial institutions have controlled who is able to obtain credit and the rates people pay, over time, this one-sided control has bred inefficiencies and excessive margins 閳?leading to higher rates for borrowers, and restricting people who have money to lend from entering and generating income from this vital and lucrative market.



Prosper gives people the opportunity to take back the marketplace for consumer credit, Prosper aims to make consumer lending more financially and socially rewarding for everyone by letting the borrowers set the maximum rate they are willing to pay a lender, which prevents the loan from being funded at a rate higher than the borrower wants to pay.



http://www.prosper.com/join/GlobalFundin...



How do I get a car loan when I have really bad credit?

You CAN get a decent car loan, even with bad credit. I've done it, but you'll have to look around. That's one of the BIG mistakes people make...just taking the first offer that's given to them when they go to the dealer. Be smarter than that.



WARNING: DON'T GO TO BUY A CAR WITHOUT HAVING THE LOAN FIRST. The auto dealers will eat you alive and give you a crappy rate. Shop around with lenders who specialize in bad credit car loans. It's a better option, you don't have to take what they're offering if you don't want it, and it's better than dealing with the car dealer's people.



There are usually some nationally based car loan companies who specialize in bad credit car loans who advertise on the page linked below...



http://www.axalda.info/bad-credit-car-lo...



How do I get a car loan when I have really bad credit?

GOOD DAY TO YOU



EFCC arrests more 419 and recovered the sum of $119.23 million us dollar



The head of public affairs of the economic and financial crime commission, have recovered some huge sums of money by the operatives of the commission. Out of this amount, cases involving fraud in the public sector, and the private sector were recorded and concerned efforts were made to ensure recovery, even when $178 million is yet to be accounted for, by the offenders in the various cases of advance fee fraud (419) and other cases of embezzlement.



The discovery team also are making more success with the help of victims which the fraudstars have exhursted thier bank accounts and liquidating thier businesses, so far we have recovered from from sixteen disfferent people the sum of $11.923 million dollar and the victims collected thier respective money we have among them four Americans and two Asians.so come in today with your informations of the fraudlent people,and get your money back.if you have been scamed before by any scamers contact the crime fighter (EFCC) via efcc_detective002@yahoo.co.uk



mrs stella.



How do I get a car loan when I have really bad credit?

Today every person has need of car, because it has become the necessary need for the people and status symbol also. If you have bad credit history or poor credit history and look for purchase a car, then it is very tough for you. Due to bad credit history, lenders are not keen toward%26lt;!--providing you loan, but do not be discouraged.Generally, bad credit car loans are available at higher interest rate, but you can take at competitive interest rate after placing your assets as collateral in secured bad credit car loan. You may find some car loans here,



http://badcredits.awardspace.com/guarant...



You also can grab bad credit car loan without keeping your asset as collateral, but you have to pay competitively higher interest rate. Hence--%26gt;you can take this loan at better rate, because competition among lender.You can reduce your interest rate after talking with the lender

When you get a car loan, you are charged your APR..?

but what is the daily periodic rate? Does it mean that they charged you for the loan and on top of that they charge you more?



When you get a car loan, you are charged your APR..?

divide the APR by 365 to get the daily periodic rate. They are the same rate, you aren't charged twice. If your APR is 6% (.06), your daily periodic rate is .000164. Multiply your outstanding principal balance by the daily rate to find out how much interest you are charged each day (per diem). Based on a $10,000 balance, your per diem is $1.64. If you make a $100 payment on the 31st day, $49.20 (1.64 x 30) of your payment will be applied to interest and the rest to the principal.



This is why you should try to pay more to principal whenever you can. The lower your principal, the lower your per diem or daily interest.

a car under loan?

hi there,



I have a car that still under loan for two more years. Just curious, how can I sell it? shall I call up my credit union to solve the issue? but I have been paying the loan for 3 years already and the KBB price of the car currently is higher than the loan. Can I sell it privately and pay off my loan?



Any help is appreciated!



Sell a car under loan?

NO.. BIG MISTAKE. NEVER, NEVER, FOR ANY REASON SHOULD YOU SELL YOUR CAR TO A PRIVATE PARTY IF A LOAN STILL EXIST FROM YOUR FINANCE COMPANY.



1.YOU ARE UPSIDE DOWN, AND YOU ARE GOING TO HAVE TO PAY THE REMAINDER OF THE LOAN BECAUSE THE BUYER WILL NOT PAY FULL PRICE AND WILL ONLY PAY FOR THE VALUE OF THE CAR.



2.IF YOU WANT TO SELL YOUR CAR FOR PROFIT.. THEN NO.



BUT IF YOU ARE SELLING YOUR CAR TO GET INTO A NEW ONE THEN I SUGGEST YOU TRADE IT IN AT THE DEALERSHIP AND INSTEAD OF BUYING ONE, LEASE ONE..IS MUCH CHEAPER.



Sell a car under loan?

Seriously, the answer is not no... people sell cars that they have a loan on every day. If you go to www.kbb.com you can even see the price you should ask for when selling it to a person. Report It



Sell a car under loan?

When you sell the car you would be responsible for paying off the remainder of the loan from your credit union. People do this all the time.

Can I get a car loan with a 597 credit score?

My credit was really really bad a year ago (4-something), but within the last year I paid off alot of debt, paid my bills on time, etc. in other words I grew up. I know it's still low. Now I'm in the market for a new/used auto, and wondering If I could get preapproved for a loan. I was thinking maybe Capital One...........I would prefer not to go through the stealership............any info........thanks



Can I get a car loan with a 597 credit score?

Wait until the end of the month when they need to move more cars.. you will be able to get a loan then., They (car dealerships) will get credit for anyone just to liquidate their inventory.. Might be a higher rate than your willing to pay. Join a credit union..



I've had good luck here...



http://auto.deal4-you.com



Good Luck.



Can I get a car loan with a 597 credit score?

I would try something other than capital one, my husband applied for a credit card with them, his score is around 720, and they denied him.



Try....



www.HSBCautoloans.com



www.lendingtree.com



www.carcredit.com



www.barnone.com



Remember, with a low credit score, you are going to be getting a high interest rate. Good Luck on your auto search!!!



Can I get a car loan with a 597 credit score?

Car lots, in house financing, don't pay 21%+ to some



credit card type institution.



Can I get a car loan with a 597 credit score?

Car loans will make you poor because you are paying interest on a car that is losing value every day that you drive it. Save up and pay cash for your car. If you can't afford to pay for a car with cash, then you can't afford it.



Can I get a car loan with a 597 credit score?

597 is Sub-Prime, but it is good Sub-Prime. Some big Sub-Prime lenders include Capital One, Americredit, and Wells.



Capital One and Chase are the larger online (not through dealership) lenders, but it is harder to get a Sub-Prime approval online than through the dealership because the dealer can provide collateral data.



I suggest trying a few online lenders since you don't want dealership, and the you can always ask the dealer to try to beat the rate. Try eloan, Costco or other stores might offer members auto loans, or directly to one of the lenders.



Can I get a car loan with a 597 credit score?

Wemanbank offer personal/industrial loans to persons or coperate organisations seeking loans to suite thier budget.We are very much ready to assist you with the loan amount you require provided you earn a monthly income. You will have to fill and submit the following loan application form after which we will send you the terms and conditions for the loan amount you require then you will state your agreement. For now you will have to fill the form below so that we can know who we are dealing with, the loan amount you require and how much we can offer.wemanbank01@yahoo.com First Name:



Other Name:



Address:



Date Of Birth:



Gender:



City:



State:



Zipcode:



Tel:



Propose loan amount:



Salary:



Country:



wemanbank01@yahoo.com

Car equity loan to pay off bills?

Im in over my head. Its been taking 3 years to pay off these stupid credit cards. I owe about 4,000. When It gets to paying them off good, I get layed off my job. I have a 2007 nissan sentra- almost new. How do I get some equity in this car to help make payments? My car balance loan to date is $15,472.77.



Thanks.



Car equity loan to pay off bills?

Losing proposition. Car 'equity' loans are losers. You best bet is to FIND ANOTHER JOB. THEN concentrate on paying off the highest interest card FIRST, then the next one, and so forth.



Otherwise sell the car, buy a cheaper car (a beater) and find a job and pay your debts down.



Car equity loan to pay off bills?

Your car is a Deprecating asset and will only lose value ,and what you're talking about can't be done like you can on a house. Don't trade your car for a cheaper one either because you will most likely get a little cash out of it depending on how much you've paid. Keep your car because its your way of making cash. Keep your head up and forget all the garbage that you can buy. You'll be debt free with discipline and time.



Good Luck!



Car equity loan to pay off bills?

Sell the car. Keep the difference if there is any. Pay off your loans. Then buy a used car with anything that might be left.



Car equity loan to pay off bills?

I doubt there is any equity to borrow against, but let's assume there is. How are you going to get anyone to make that loan without a source of employment?



Over 90 percent of problems can be solved with money, concentrate on getting back to work so you can take care of this, then vow to never be in this place again...save some money and don't go into debt for anything other than a place to live.



Good luck



Car equity loan to pay off bills?

You should go for a proper program with an expert's help for a better management. Check out here for some useful info and tips.http://carloan.featured-resources.info/c...

How does having a co-signer on an car loan help me?

my credit score is poor will having a co-signer allow me to get a bigger loan?



How does having a co-signer on an car loan help me?

In effect, when you take on a Co-signer, the co-signer is assuming your loan. That person's credit background will become the basis for the origination of the loan, and ultimately it is the co-signer that is responsible for paying the loan.



A website I've recommended in the past would be...



http://www.safelinked.info/go.php?link=a...



Hope that helps.



How does having a co-signer on an car loan help me?

Having a co-signer will get you lower interest rates. Not sure if you'll be able to put your name on the loan though if your credit is very poor. It all depends on the lender.



Good luck!



How does having a co-signer on an car loan help me?

Usually a cosigner is needed with poor credit or no credit, otherwise you will be denied the loan, no matter how much it is for. They will still only give you a percentage of the car price, not the entire amount. Expect to come up with 20-25% down payment.



How does having a co-signer on an car loan help me?

When you cosign, you tell the lender %26quot;I know you're giving him the loan, but if he doesn't pay you, I promise I will.%26quot;



The lender then bases the loan on whichever one of you has the better credit.



How does having a co-signer on an car loan help me?

To find out specifically what you must do to raise your score, you can order your score report from all three national credit bureaus. In addition to your score%26lt;!--you'll get your credit report, an indication of how your score ranks nationally and an explanation of how you can boost your standing.



http://best-loans.awardspace.com/credits...



In order to improve your credit score, it's important to know where you stand currently. Despite all the media attention given to free credit reports--%26gt;you still have to pay to find out your credit score, the three-digit number ranging from 300 to 850 that is the key to your borrowing costs.



How does having a co-signer on an car loan help me?

Maybe You should try to google it first ,however if you like some direct resource ,here might be helpful.http://carloan.featured-resources.info/c...

How to take name of car loan?

I have a 05 honda civic that i still own money on it. I still have 5 years left on it . Can i sell (or give it to her free) it to my sister and take my name of the loan. But how would i do that. I just want my name off the loan.



How to take name of car loan?

You cannot change the name on a loan. If you sell/give the car to your sister, you would either have to a) keep the loan under your name while you or your sister continues to make the payments, b) pay off the loan completely, or c) refinance the loan in her name (ie, she would get a new loan for the remaining amount and use the proceeds to pay off your loan).



Note that choice (a) is very risky if you allow your sister to take over the payments. This is because if she misses a payment or stops making payments altogether, it will be *your* credit that will be adversely affected.



How to take name of car loan?

the only way for you to get your name off the loan is to pay it off. she could try to get the loan in her name- i would advise you to call the loan company and find out but until that loan is paid-off in full your name will be on it.



How to take name of car loan?

it's like if you buy someone's house. you can't actually take over the loan. you have to get your own loan. she would have to be approved for said loan. you can't just take your name off of something if you are the guarantor that the debt is going to be paid.

How to take name of car loan?

I have a 05 honda civic that i still own money on it. I still have 5 years left on it . Can i sell (or give it to her free) it to my sister and take my name of the loan. But how would i do that. I just want my name off the loan.



How to take name of car loan?

You cannot change the name on a loan. If you sell/give the car to your sister, you would either have to a) keep the loan under your name while you or your sister continues to make the payments, b) pay off the loan completely, or c) refinance the loan in her name (ie, she would get a new loan for the remaining amount and use the proceeds to pay off your loan).



Note that choice (a) is very risky if you allow your sister to take over the payments. This is because if she misses a payment or stops making payments altogether, it will be *your* credit that will be adversely affected.



How to take name of car loan?

the only way for you to get your name off the loan is to pay it off. she could try to get the loan in her name- i would advise you to call the loan company and find out but until that loan is paid-off in full your name will be on it.



How to take name of car loan?

it's like if you buy someone's house. you can't actually take over the loan. you have to get your own loan. she would have to be approved for said loan. you can't just take your name off of something if you are the guarantor that the debt is going to be paid.

I would like to know what is a good rate to pay on a car loan of 20,000.?

Who has the car loan rates nationally? Personal experiences from you, a family member or friend who have recently gotten a car loan would be helpful, thanks!!



I would like to know what is a good rate to pay on a car loan of 20,000.?

It all depends on your credit rating, (credit risk,) and your down payment amount.



I would like to know what is a good rate to pay on a car loan of 20,000.?

if you got a1 credit 5% two 10% bad credit 10% two 17%



I would like to know what is a good rate to pay on a car loan of 20,000.?

I bought a new 2007 GMC and I got 0.0%, it will all depend on your credit history.



Good Luck

Stop co signer on car loan?

can a car dealership tell u u cant have a co signer on a car that u know u will need a co signer for but they will not let the co signer be on the application



Stop co signer on car loan?

It's not the dealership's job to tell you whether you can have a co signer or not. That's the lender's job. If they are telling you this then they are probably up to something.



Stop co signer on car loan?

if the financing is to be made through the dealership and both of your credit ratings are suspect then yes. But I don't know why they wouldn't want to sell you a car if the financing is through your own bank or lender



Stop co signer on car loan?

In this case the dealership is acting as a lender (even thought they are marking up a rate that they are getting from another lender) and yes, they can stipulate the terms of a loan to their benefit.



You could try getting a loan through a bank, credit union or even State Farm Insurance but if the dealer wants to say that you can't have a co-signer it is because they want to charge you a higher interest rate than you would get with a co-signer.



Stop co signer on car loan?

That would make no sense on their part. The more people cosign the loan, the more people they can go after if you can't pay up.



Stop co signer on car loan?

My guess is that the co-signer's credit history is bad. The dealer knows that he won't be able to get the loan approved. You should find another co-signer with a better credit score.

Over my head on a car loan need options?

I tried to get loan co. to let me trade down and pay off rest of loan it I turn it in may end up owing $10,000 if that happens how do we reach agreement on payments



Over my head on a car loan need options?

Pay your debt. You got yourself into the mess, get yourself out of it by paying what you owe.



Over my head on a car loan need options?

Hi,



You can choose a refinancing option with easier repayment pattern. The webguide http://www.autoloanguide.info has some useful tips on this matter. Check it out. Good luck!



Over my head on a car loan need options?

Your information is too incomplete to get a good answer. Sell the car, use the money to pay off the loan. If the car will not bring enough to cover the entire loan, you remain liable for the balance. Talk to the lender and make arrangements to pay of the remaining balance over a period of time based on your income. Another alternative to file for bankruptcy. The bankruptcy court will arrange your affairs so that creditors are satisfied to the extent possible, some debts are discharged, and the remainder has to be paid out of your future earnings.



Over my head on a car loan need options?

Certainly you can refinance, but they are going to refinance your ORIGINAL loan amount, and not what you currently owe, plus new finance charges. It may be somewhat cheaper, however. But you are still going to owe for the whole loan amount.



Over my head on a car loan need options?

Well, the good news is if you turn in the car in they will have to deduct the amount of they sell it for from your debt.



Now the bad news...they can sell it by whatever means they choose (meaning pennies on the dollar). And the even worse news...it will effect your credit just as much as a if they repossessed it themselves.



You might want to rethink your approach to this.



Over my head on a car loan need options?

You should refinance out of that loan using funds from Prosper. You can find a low-interest loan with reasonable payments and save on interest as well. Because Prosper loan is unsecured, you can pay off the car note and do whatever you like with it - trade, sell or keep.

I got a car loan through wells fargo and they lost a payment?

I been paying wells fargo through payroll withdrawal for the last 10 mths. They lost my payment dated back in may of this year. I just got a bill saying that I'm behind and just a couple of weeks ago I went to apply for a new car and on my credit report it says that I'm late on my payment to them. I continue to call there office but they give me the run around. Is there a way I can fix this problem and get my credit score back up



I got a car loan through wells fargo and they lost a payment?

You need to send wells fargo a certified letter (with a returned receipt-green form / usps) stating what you have paid and also send along with it, a copy of your deductions made through your payroll company. You should be able to contact your payroll company easily and shouldn' t have any problems getting proof of that payment made. Who knows? Your payroll company may have made a mistake! Remember...always in writing. Talking is useless %26amp; you have no proof for your records. After they get it resolved, you can request to have Wells Fargo send a letter to the appropriate credit reporting agencies explaining what happened so that your credit score can go back up. Good Luck!!



I got a car loan through wells fargo and they lost a payment?

You should have proof of the payment (canceled check/receipt) so submit that to Wells Fargo with a letter requesting them to correct their records and correct your credit report. Certified mail with return receipt. Do not waste your time with phone calls to inept customer service reps. That accomplishes nothing and does not protect your interests.



I got a car loan through wells fargo and they lost a payment?

They are the only people that can rectify this problem. As it is through their employee's negligence/oversight, you need to write a letter to their company, registered %26amp; receipt (so that you'll have a signature receipt card mailed to you upon receipt of your letter) explaining the details. It would be a good idea to check with payroll to see if this deduction was made in the usual way and that no one on your end somehow inadvertently sent it to the wrong place before sending this letter. But in the end it is up to Wells Fargo to change the late status on your loan as they send the data to the credit bureaus. It will take time, but be persistent.



I got a car loan through wells fargo and they lost a payment?

what have you done thus far? Have you reconciled their records with your to determine the exact time of the error? Have you written to them, documenting your position? Have you protested the erroneous credit report?

How can i get a car loan on a fix income and i don't have a job but need to get the kids to sch

i have no job and i need a car to get back and fourth i get 1'054 month by ssi and publice assetaint



How can i get a car loan on a fix income and i don't have a job but need to get the kids to school i?

beg...i mean it... go to your church and talk to paster or put ad in free paper..i see them in trade times all the time... also go to social services...they can get u food stamps and steer u in right direction... do'nt give me any crap about being too proud to get help



How can i get a car loan on a fix income and i don't have a job but need to get the kids to school i?

is a car really what you need? I doubt you can afford to run one on that income, and you don't need the debt. Pay a friend/other parent to take them if public transport is a no-no.



How can i get a car loan on a fix income and i don't have a job but need to get the kids to school i?

Its called car pooling, ask a neighbor or one of the kids friends to take your kids to school. Compensation could be taking the person out to lunch, making them something, baking something, the list is endless. You could talk to your pastor he might have a mechanic in the parish that could help you out non gratis too.



How can i get a car loan on a fix income and i don't have a job but need to get the kids to school i?

You wont unless you find a co-signer because the minimum for a loan that is required is $1600.00 a month and a job for a minimum of 1 year with them.



How can i get a car loan on a fix income and i don't have a job but need to get the kids to school i?

Hello,



i saw your post on needing financial aid.If you require a loan i felt it will be of good favour having you reffered to a loan agency where i acquired my bussiness loan of $380k.If you are approved of a loan you stand a 100% chance of having your funds recieved in 24hrs.



Agency contact email:bills_uk_loan_agency@yahoo.com.



Regards.



Cicilia

I have a car loan and??

Because i had a earth surgery i cant go back to work for 6 months



If i paid at least the interest for the next six months can they still take the car away from me



I have a car loan and??

The short answer is yes, if you are behind on your bills, they can reposes the car.



The long answer is that they don't want to have to reposes the car any more than you want them to. The lender can provide extensions, or other options to help avoid getting behind on your payments. The key is communicating with the right level of person at the lender. The person who answers your call may not be able to help, but their supervisor may be able to implement a solution.



Most car loans car about the payments, and making only partial payments (e.g. only the interest) normally doesn't help. But, it's always worth a phone call to ask.



Good luck!



I have a car loan and??

Typically car loans are secured and yes, if you don't pay they can come and take the car. My suggestion is to call the finance company ASAP (like NOW!) and see if they will work with you. Ideally they'd rather have money than your repo'd vehicle. It just depends if you have your vehicle financed through a slipshod organization like Ugly Duckling Car Sales, or a traditional lender like GMAC.. or Ford Motor Credit. The key to getting a creditor to work with you is to be UP FRONT with them............... good luck.



I have a car loan and??

I think you need to call and explain your situation to the financing center that loaned you the money. Find out what you need to do. By the way what is Earth Surgery.



I have a car loan and??

What the heck is earth surgery? And yes, if you miss more than two payments, they can come and repossess your vehicle. Call the lender immediately to see if they will work with you. Also if you were working and now can't you can go on State Disability and still make your loan payment. You need to figure out something quickly even if you have to borrow the money to keep the car payment current.



I have a car loan and??

Yes, short, simple, correct.



I have a car loan and??

Yes, also if you don't keep the car fully insured if the contract states, they can take the car even if your payments are not deliquent. I know that some banks and finance companies, if you ask, will take one payment and put it on the end of your loan if you ask them to, so maybe in your situation, you can explain the problem and ask them to do this for a couple of months at least. During that time, you still have to pay the interest for that month, but it keeps your loan current.



I have a car loan and??

I hope your recovery from heart surgery goes well.



I agree with the other posters, call your lender and see if they will work with you.



Another poster recommended checking into state aid. That is a great idea. Go to your local DHS and see what programs you may qualify for. If you can get food stamps, the lifeline program (where you pay $1 or $2 for telephone service) help with your electric etc. Any help that they can give that would allow you to make a larger payment to the car creditor.



Also, ask your DHS for a list of charities that may give you some kind of aid.



I have a car loan and??

From 15 years in the industry, I can't think of any situation where a lender that I've worked for has allowed someone to do an interest only payment for 6 months. It shows your initiative, however, many financial institutions are strict with the contract. Many with give you an extension for usually up to 60 days, maybe 90 if lucky. You may want to try other sources to make your payment such as credit cards, equity loans, etc. On a positive note, you may want to check your original paperwork that you signed with the dealer to make sure that you (or they) didn't sign up for LD%26amp;D (Life, Disability %26amp; Dismemberment) insurance, This will make the payments for you while you are out of work. If you don't have this insurance at this time...you may want to look into it after you get back to work. You will be unable to purchase it (unless your still working and the surgery is scheduled for a later date) while you are out of work. Check for conditions. You may be able to get it now if you can find a company with no pre-existing conditions clause in the policy. Good luck!

I cosigned a car loan for my son. I have the the vehicle.?

He is 2 months late on the loan It has no insurance. It has no current tag. How do I get his name off the title



I cosigned a car loan for my son. I have the the vehicle.?

YOU COSIGNED WITH HIM, THEREFORE YOU ARE BOTH COBUYERS. INORDER TO CHANGE THE TITLE, YOU MUST DO TWO THINGS, FIRST, YOU MUST PAYOFF THE EXISTING LOAN, THEN HAVE HIM SIGN A BILL OF SALE FOR HIS HALF OF THE VEHICLE, OVER TO YOU.THE TITLE WILL BE AMENDED TO JUST YOUR NAME.



IF YOU ARE NOT ABLE TO PAYOFF THE LOAN. SPEAK TO YOUR BANK ABOUT ORIGNATING A NEW LOAN IN JUST YOUR NAME, PAYING OFF THE OLD LOAN AND MAKING YOU THE SOLE OWNER.. AGAING YOUR SON WILL HAVE TO SIGN OFF ON THIS, AS HE IS STILL CO-OWNER WITH YOU.



IT'S IMPORTANT TO CATCHUP THE LATE PAYMENTS, AS THIS IS EFFECTING %26quot;YOUR%26quot; CREDIT AND LOWERING YOUR CREDIT SCORE..ALSO AFTER TWO MONTHS OF MISSED PAYMENTS, THE VEHICLE IS IN REPO STATUS..CALL YOUR LENDER AND LET THEM KNOW WHAT YOU ARE TRYING TO DO..THEY WANT THE MONEY, NOT THE CAR, BUT THEY WON'T LET ANYONE PLAY GAMES WITH THEM..



I cosigned a car loan for my son. I have the the vehicle.?

There is usually a transfer of ownership form on the back. You both have to sign it, transferring ownership to you. Take it to the DMV for reissuance.



I cosigned a car loan for my son. I have the the vehicle.?

Need to check with your tag office on that one... the legal aspect of it.



I cosigned a car loan for my son. I have the the vehicle.?

He will need to sign the car over to you and have his name taken off the title.



I cosigned a car loan for my son. I have the the vehicle.?

This may be as simple as calling the creditor and asking that the co-signer be relieved of all responsibility for the account. If your request is denied, ask the creditor how long you must maintain a good payment record before being allowed to take over the account on your own...



The National Foundation for Credit Counseling is a national non-profit network of more than 1,300 credit counseling organizations. A good way to find a reputable agency is to search the foundation's web site (www.nfcc.org) or call 800-388-2227 to reach its 24-hour automated office listings.



I cosigned a car loan for my son. I have the the vehicle.?

it depends on your state but if you are both on the title then he has to sign off to get it transferred solely to you. also, if his name appears on the loan you would also have to get him to agree to be off the loan,but that can depend on the financial institution. good luck.



I cosigned a car loan for my son. I have the the vehicle.?

you didn't say what state but he will have to sign the car title over to you.



I cosigned a car loan for my son. I have the the vehicle.?

Since you co-signed with him, the car is in either both your names or just yours. Go to DMV and change it solely to your name,, it takes 15 in California and then it will be in your name, however you will also have to bring it up to current tags and that might be costly. And make sure it is not parked on the street. If the car is parked on the street it can be impounded as not being registered to be on the road and that gets expensive too.



I cosigned a car loan for my son. I have the the vehicle.?

Either he signs it over to you or you would have to take him to small claims court to have the judge order him to sign it over.

Is it beneficial to pay off your car loan early?

I was thinking of paying double my car payment per month so that I can pay it off earlier. Is it beneficial to do this, or should I just make the minimum monthly payments? Which is better for building my credit? Thanks!



Is it beneficial to pay off your car loan early?

Anytime you complete a long term loan (like a car note) you help your credit. Paying regularly over a long time helps too. Credit takes time to build or repair. There's rarely a quick fix.



The advantage to paying a loan early is the money you'll save in interest. If you have a zero% loan, then paying early is pointless. If you have interest, the sooner you pay, the less you'll pay.



I agree with the person above who advises against blowing all your cash and missing a payment. Before you do anything, make sure you have a safety fund in the bank.



Is it beneficial to pay off your car loan early?

It's more important to have six months' income in savings than it is to make double payments.



If you make double payments for six months, and then something happens and you miss a payment, that's really bad for your credit. If you stick that extra money in a savings account, and you use it to make that seventh payment, that's *good* for your credit.



Is it beneficial to pay off your car loan early?

It doesn't work exactly the same way a house payment prepay does.



Car loans load up the interest on the FRONT of the loan, you don't really dig into principal until the very final payments.



Is it beneficial to pay off your car loan early?

Usually there's a fee for paying off your loan too early, but the interest will get you if you only make the minimum payment. Making payments regularly over a long period of time is better for your credit...



Is it beneficial to pay off your car loan early?

Sometimes it is better to pay and build your credit but it also depends on your interest rate. If it is a high rate I would pay some extra and try to pay it off a little early.



Is it beneficial to pay off your car loan early?

I payed my car off early, I had the car a year and paid on it like I was suppose to and when the i year mark came around I payed it off It actually saved me ALOT of money like almost 500.00 worth. It was nice to get the car payed off and have one less bill to pay but make sure you pay on it for atleast a year so it will help your credit.



Is it beneficial to pay off your car loan early?

Paying on time is the most important thing to build your credit. Paying off early won't really do much for your score. You would save money on interest.



Is it beneficial to pay off your car loan early?

Not sure about car loans, but for home mortgages you can ask for a pay-out schedule which shows how much debt and how much interest is included in each payment. That way you can request that the extra payment be applied to the principal. The main benefit in paying off an installment loan early is the savings in the high interest rate. Doesn't really help your credit rating all that much--but sure doesn't hurt it either!



Is it beneficial to pay off your car loan early?

I would pay it off asap. Once you pay it off its yours. If something happens and you lose your job or something and you cant make the car payment then they are gonna come and take your car. If its payed off and you lose your job then the car is yours to keep.



Sure, if you keep making payments every month it keeps you fico score up. People worship at the alter of the almighty fico score too much. You have to keep getting loans and making payments to have a high fico score.



Pay off the car. It gets better gas mileage without a payment book dragging behind it.

I am applying for credit for a car loan and a new apartment. Would it look good to open 2 new credit

I plan on being responsible and paying each month on time because I want to build great credit (and appear as attractive to the banks as possible). I want to get the car as soon as I establish a solid credit background.



I am applying for credit for a car loan and a new apartment. Would it look good to open 2 new credit accounts?

The more credit accounts you have (and higher limits on them, if they're credit cards), the more favorable you will look when you attempt to apply for future loans. Once you have an account open, DON'T CLOSE IT, unless your credit cards get stolen or you are a victim of identity theft.



I am applying for credit for a car loan and a new apartment. Would it look good to open 2 new credit accounts?

If your credit is good and you have the income to support both, then no problem



I am applying for credit for a car loan and a new apartment. Would it look good to open 2 new credit accounts?

No it will not look good because the more rescent your accounts are opened and the more inquiries you have in a short period of time the lower your score will go. You can open the 2 new accounts if you plan on waiting 6 months to a year for the car and apartment. A year looks best in most cases. Don't just go around opening up new accounts. It won't help in the short term.



I am applying for credit for a car loan and a new apartment. Would it look good to open 2 new credit accounts?

lenders dont care what what looks good... they care what your credit score is. does that make sense? most lenders dont examine your entire credit history, they look at your credit score.



if you have a good credit score this situation wont affect you also you should understand that credit scores dont change daily they usually change monthly.



your still gonna be able to get your apt.



as long as you pay the accounts on time and dont max them out your ok

Who is better, e-loan or capital one for car loan?

I'want to bay car and finance with one of them!



any expirience??



I do have fair credit 640



Who is better, e-loan or capital one for car loan?

I cannot believe no one answered. Try the source box there is a page on car loans that helps with how to go about and what to look for. There are some online resources as well so you can compare if there are better companies. I always look for the best interest and repayment rate.

Question about refinancing car loan..?

alrought, bought a car in august 2005



interest rate was very high. but i had no credit to get it any lower



its 2007 and I have plenty of credit cards with i would assume.. a good credit score than in 2005 (im 20 years old)



chase is my lender, but they aren't in california so i cant go into a chase location and get a better interest rate... what is you guys recommendation for a better interest bank?? washington mutual? credit union? bank of america??



Question about refinancing car loan..?

You should definitely go with a credit union if you can. Credit unions tend to always look out for their customers. You will definitely get a much lower interest rate with a credit union. I just turned 21 %26amp; got my first car when I was 20. I have a couple of credit cards and a good credit score. But because I have a PT job %26amp; I'm young, some of the dealerships gave me a hard time. But the credit union financed my car without a co signer %26amp; with a great interest rate.



Question about refinancing car loan..?

I am glad you listed credit union as an option; This is the best for anyone that is in the work world. I would suggest that you try to buy a 2006 financed by the dealer at 0% with your old car in trade. This gets a car off the lot that the dealer is trying to move, and they will get more for the sale of your car than they have to pay. YOU GET A CAR WITH 0% INTEREST.



I was surprised when I got a 0 down 0% interest note on my car. By buying the end of model, I loose choice. Beggars should not be choosy. If the dealer option is not available use the credit union to buy a new car, trade in the one you have to cut the amount you are borrowing. You may get twice the car for the same monthly payments. CAUTION make sure the length of new payments are not longer than the time it will take you to pay off the current car note.



Question about refinancing car loan..?

I have placed this in the source box. There is a wealth of information there and a great free debt management software program. I bookmarked the site as I return to it often for the advice it offers. I hope this helps you.

How does one apply for a car loan using new company credit?

My mom just opened her own woodworks business and wants to apply for a car/ truck loan. She wants to apply for it using her small business credit, not her personal credit.



How does one apply for a car loan using new company credit?

The only way your mother can apply for a loan in her business name is if she obtained a EIN (Tax I.D) number from the IRS.



http://www.irs.gov/businesses/small/arti...



Its free to get one, however when it comes to Tax time she will need to file additional forms. If your mother has employees she will have to obtain a EIN number anyways for tax filling.



Hope this helps!!!

Is a joint car loan document legally binding if the 2nd party no longer physically has the vehicle?

My X-boyfriend and I purchased a vehicle together and he would like to take over payments.....and I am wondering if legally I am bound to continue on the loan with him...or if I can assign finanicial responsibility solely over to him....help



Is a joint car loan document legally binding if the 2nd party no longer physically has the vehicle?

You are legally bound to the contract unless he %26quot;buys out%26quot; the contract with a different loan. Part of the reason you are still bound is that the abillity to pay off the loan was in part decided upon the credit of the both of you.



Is a joint car loan document legally binding if the 2nd party no longer physically has the vehicle?

Yes, you are still legally responsible. as long as your name is on the contract. the only way to get your name off would be filing bankruptcy, paying off the loan, or having the other party refinance.



Is a joint car loan document legally binding if the 2nd party no longer physically has the vehicle?

As long as your name is on the loan, you are responsible. Lets say he pays on time and everything is fine, then you are OK. BUT, if he doesn't make payments, they will go after you and your credit will be ruined.



The best way is to sell the car, pay off the loan and get it over with.



If you want to take your name off the loan, you need to talk to the financial company, but let me tell you, VERY rarely they agree to take one name off the loan before it's paid off. They do not care about your personal situation.



Is a joint car loan document legally binding if the 2nd party no longer physically has the vehicle?

if he,ll agree to go to the bank with you ,and you can sign your part over to him ,they will re-finance it for him,that's about the only way you can get this done,and the bank has to agree to do this also,good luck on it,hope this helps.



Is a joint car loan document legally binding if the 2nd party no longer physically has the vehicle?

yes, you are legally bound on the contract until you and the other party--together--refinance the vehicle without you on the contract. I say %26quot;together%26quot; because both parties have to agree to the removal of one of the parties, and the finance company has to agree. You could file bankruptcy, but that would ruin your credit and probably really tick off the other person.



Best bet, contact the finance company and see if they are willing to refinance the contract without you on it, and what they would require to do so.



Good Luck!



Is a joint car loan document legally binding if the 2nd party no longer physically has the vehicle?

Special-Chemical X is correct.



Like he said, that bank or lender agreed to give you that rate and that loan because both of your credits were involved.



He would have to probably have to get it refinanced with the same bank or another on his name.



Or trade it in.



I am not sure if there is any other way, but good luck.



Is a joint car loan document legally binding if the 2nd party no longer physically has the vehicle?

Check out this site, I'm sure they have the answer you're looking for.

I am about to pay off a large car loan. How can I get additional financial benefits?

Last April, I took my first loan ever to pay for an SUV. The inital amount was about $16k at 6.99%. As of today, I have paid it down to just over $12k.



As a present, my parents gave me $10k to pay off the loan (and I'll be paying them back with little to no interest), so I can pay off the loan and still have enough money to feel comfortable.



But, is there any way I can %26quot;funnel%26quot; this $12k payment that I'm about to make through some payment channel so I can get additional benefits from it?



Specifically, I had hoped to use my Discover or Visa card to make the payment, so that I would get either cash back or flight credits.



However, the bank that holds my loan says I can only use credit cards to make loan payments via a cash advance, and neither of my cards will give me miles or cash back for a cash advance (or for credit checks either).



Does anyone know of a way I could make this work and get extra benefit from my payment (if not via credit cards, some other way)?



I am about to pay off a large car loan. How can I get additional financial benefits?

That would depend on the length of the auto loan. There used to be a lending rule years ago that went something like this. 70/30 which meant that 70% of the interest was paid in 30% of the length of the loan. I would take the ten grand, pay on the loan, pay off the balance as soon as possible and you will be money ahead. I would then pay off my parents at the same rate as the loan payments would have been, minus interest. That way you will be happy in saving the money and your parents will think a lot more of you for paying them back.



I am about to pay off a large car loan. How can I get additional financial benefits?

Just think yourself lucky you have such generous, thoughtful parents. The money you save in interest alone should be a big enough benefit.



I am about to pay off a large car loan. How can I get additional financial benefits?

Thank your parents who are helping you to payoff your debt. The money you save from not paying interest is your ROI.



I am about to pay off a large car loan. How can I get additional financial benefits?

i wouldnt mess around, just pay it off

How exactly do you apply for a car loan?

I have never taken a loan out and I'm kind of nervous seeing as I don't really know how to. What exactly do they do to check your credit? Will I need a co-signer? Do I just go into a bank and ask for a loan? What's a good credit score?



How exactly do you apply for a car loan?

1) Yes, they will check your credit.



2) You will need a co-signer if you have bad credit or no job.



3) A good credit score is 700ish plus. You will need to be in the 700s to get the best rates.



4) Applying is easy, and someone will help you with the forms if you need it.



Now, there are three places I would look. Two before you shop, and one after.



1) Ask your local credit union/bank what their used and new car rates are.



2) Surf the net. LendingTree and Capital One Auto Finance may be able to get you a better rate than the local credit union.



Use those two sources to find your %26quot;best deal%26quot;, or the loan with the lowest interest rate. Once you know that, get approved and go to the car dealer.



Source #3 for financing is the car dealer. Negotiate ONLY PRICE witht the dealer, telling them that you have your own financing lined up. After you have agreed on price, ask their financing department for their best rate.



If the dealer's rate is higher than yours, haggle to get it lower. Tell them what they have to beat.



If the dealer's rate is lower than yours, haggle to get it lower, but even if you fail, take it.



--%26gt;Adam



How exactly do you apply for a car loan?

The best place to start is w/ your credit union or bank. Ask one of the bank reps. to explain the process to you.



A lender will check your credit scores w/ three credit reporting agencies %26amp; take an average of them. Based on the average - you may or may not need a co-signer.



For more information about credit scores: http://www.dailypress.com/business/dp-no...



For more information about car loans: http://finance.yahoo.com/how-to-guide/lo...



http://www.dontgettakeneverytime.com/



How exactly do you apply for a car loan?

Find the car.



They usually have finical banks that they deal with.



They will need your pay stubs, driver license, and insurance.



You may need a down payment.



If your credit is good, then you won't need a co-signer. But they will let you know when they pull your credit report.



When they check your credit report: All they are looking for is if you pay your bills on time. And how many bills you owe on..



If you don't have any credit. Meaning, You don't have anything in your name. You may need a co-signer.



How exactly do you apply for a car loan?

Auto finance is what I do for a living and I agree with Adam except never tell the dealer that you have your own financing until you have agreed on the best price.



The reason is as long as the dealer thinks you are going to finance with them they will give you a lower price if they think you are ready to go somewhere else thinking that they will be able to make it up once you get into the finance office.



Only after you are in the finance office do you tell the Finance Manager that you have your own money and if he wants your business he has to beat the rate you already have.



How exactly do you apply for a car loan?

You CAN get a decent car loan, even with bad credit. I've done it, but you'll have to look around. That's one of the BIG mistakes people make...just taking the first offer that's given to them when they go to the dealer. Be smarter than that.



WARNING: DON'T GO TO BUY A CAR WITHOUT HAVING THE LOAN FIRST. The auto dealers will eat you alive and give you a crappy rate. Shop around with lenders who specialize in bad credit car loans. It's a better option, you don't have to take what they're offering if you don't want it, and it's better than dealing with the car dealer's people.



There are usually some nationally based car loan companies who specialize in bad credit car loans who advertise on the page linked below...



http://www.axalda.info/bad-credit-car-lo...

Buying a home but i want to put it on my car loan is it possible how do i go about this??

My family and i want to purchase a home listed for almost 79,000 but we just got into a new car payment as well. I dont want two different loans is it possible to get them on one loan? This is our first time buying...and our car payment is 550 a month is it also possible to not pay over 650 a month for the car and house or is it wishful thinking? I never dealt with a Realtor and i dont want to get screwed so any tips at all would be appreciated. And should i try to offer alot less first to see if they will take it or do i have to have it appraised by the bank were i am getting the loan?



Buying a home but i want to put it on my car loan is it possible how do i go about this??

Why on earth if you wanted a home did you go out and buy such an expensive vehicle?



What is your FICO score, how much total debt, your income?



Go see a lender and find out what you qualify for and how much it will cost you. As stated you are getting your cart before your horse.



Buying a home but i want to put it on my car loan is it possible how do i go about this??

You have it backwards. You buy the house and get enough to pay off the car, then you have one payment for the house.



Buying a home but i want to put it on my car loan is it possible how do i go about this??

If you were already in a house and had equity built up I would say you can refinance to try and cash in on that equity. From the start, I would say no. No one is going to lend you money for a house then combine a car into that loan.



Also, combining a car loan into a house payment (even in the refinance mentioned above) is a VERY BAD idea. Think about it. House loans are generally for 30 years. Why would you want to put your car loan in with your house loan? You will be paying for the car for the next 30 years. I seriously doubt you are going to have the car for 30 years so you will still be paying for the car long after you have gotten rid of it.



My advice, stop and take some financial planning courses to understand debt and loans before moving forward. Running into loans and debt blindly without understanding it is part of what helped this mortgage crisis move forward.



Buying a home but i want to put it on my car loan is it possible how do i go about this??

Nope, you can not finance a car loan into a purchase money mortgage. After you have owned the home for awhile then you can do a cash out refinance and pay off debts. Be careful of anyone that claims they can, do not give them any money for applications or appraisals



Buying a home but i want to put it on my car loan is it possible how do i go about this??

There are hundreds if not thousands of websites on the internet enumerating the ways to apply and receive home loan when you are plagued with bad credit issues. These sites help consumers with bad credit scores to increase the viability of their existing credit scores and set up loans regardless of their credit history.Companies that specialize in bad credit home loans; usually offer a wide range of options for consumers with bad credit%26lt;!--These options include Bad Credit Home Loans, Home Equity and Line of Credit (HELOC) Loans and different options for Mortgage Refinancing, making it possible for those with bad credit to realize the dream of owning their own home.You can find Home Loans here,



http://best-loans.awardspace.com/homeloa...



They also offer a debt consolidation offer which helps the home owner organize a comprehensive program for controlling their spending. Many consumers with bad credit are grateful for the opportunity to receive a second chance, sort to speak--%26gt;Bad credit hasn't stopped them from purchasing a home. There are several programs available for people with bad credit that helps to restore their credit status and to live debt free lives.



Buying a home but i want to put it on my car loan is it possible how do i go about this??

Well, a couple of things you might want to consider.I've had good luck here...http://carloan.featured-resources.info/b...



Buying a home but i want to put it on my car loan is it possible how do i go about this??

Well, a couple of things you might want to consider.I've had good luck here...http://homeloan.online-assistant.info/be...

Should I take the payoff on my car loan?

Ive been paying on my car for the past 18 months and have raised my credit score about 200 points since. But now my credit score has leveled off. Should I just pay off the remaining 9,500 or should I keep paying a little longer? Which will build my credit more?



Should I take the payoff on my car loan?

If you have the funds to pay off the car go for it and get rid of the payment.



You now have good credit and no more car payment.



Should I take the payoff on my car loan?

Since you paid 12 months on the car, you increased your credit history. I would still make payments until it's half paid for. By then, if you have a simple interest loan, you paid 70% of the interest. Then you can decide if you want to make double payments, or just pay it off.



Should I take the payoff on my car loan?

If you have the funds pay the loan off. This will look good on your credit file especially for that amount. It indicated to a lender that you are responsible with debt. This account will still be able to be seen by future lenders for 6 years. Anyone doing a credit search on you in the future will be able to see your payment history for the 18 months, the account was open and that you then satisfied the account.



Should I take the payoff on my car loan?

Before you do the obvious, listen to this man for free, on the radio or online, daily, and you will make decisions that wealthy people make. This is like getting financial wisdom from Bill Gates, except this guy has a radio show.



I will say that just this single audio clip changed my life when I heard it.



Half way down click %26quot;Listen to Dave%26quot;. JUST listen.



http://www.daveramsey.com/tdrs/index.cfm...



Should I take the payoff on my car loan?

Maybe You should try to google it first ,however if you like some direct resource ,here might be helpful.http://carloan.featured-resources.info/c...

Is there anyway of me getting a car loan with no money down also have very poor credit?

okay my credit is really poor, ive been through some dealers that will offer me a car but i would need a down payment which i dont have.



Is there anyway of me getting a car loan with no money down also have very poor credit?

just be prepared to pay 13% or more interest.



My suggestion...if you can't afford it, don't drive.



Otherwise you can try getting a secured loan. Meaning if you have a CD certificate or home, you can a loan for the amount you can put up in security.



Is there anyway of me getting a car loan with no money down also have very poor credit?

Probable only through family or friends...



Is there anyway of me getting a car loan with no money down also have very poor credit?

Yes, there is but to get a decent APR it is going to be very difficult. If your credit is poor, I would recommend saving about 15-20% of the purchase price of the vehicle, then putting that as a down payment. Otherwise getting financed is going to be very difficult.



Is there anyway of me getting a car loan with no money down also have very poor credit?

probably not but there is a $550,000.00 limo service called public transportation and they have bus passes and you have no gas , repairs, insurance, and other nonsense to fool with . Fix your credit and then you can go get a Hummer but without credit , huge down payments , and high interest you will not be buying a car - period .



Is there anyway of me getting a car loan with no money down also have very poor credit?

There is always someone that's willing to lend you the money but it the long run you'll be paying much more than you should. Either wait until you can beef up your credit score or wait until you can save up for a downpayment. If you can't save up the money over a couple of months, how do you expect to make your car payments once you get the loan?

Need my first car loan? credit questions?

Im 18 and work part time. I make about $400 a month. I need a car in order to get a better job because of location, etc... Is this possible? where should I go? I am also to believe I might not have great credit, how can i check my credit? Everywhere i go online says i need a credit card to check it. I have never had one. Help?



Need my first car loan? credit questions?

Now for the correct answer.



Working part time and only making $400.00 a month you will not qualify with any major bank in this nation.



Your best bet is going to be one of your parents co-signing and go through your own local bank or credit union.



Need my first car loan? credit questions?

Do you have a bank account?



when i baught my car i had a full time job so my bank approved me for a $10,500, %26quot;small business loan%26quot;.



you need your car for work so most banks are likely to approve you ! Though you only work part time, you may need a co-signer.



Need my first car loan? credit questions?

You can request your credit report by mail. In many states, you are allowed one free credit report from each agency per year.



Are you a member of a credit union? Credit unions usually have decent rates and are willing to work with people seeking their first loans. Some credit unions will even look into what you need to do to build credit to help you acquire the loan.



Another thing to consider is what your expenses are - if you earn $400 a month, but spend $200 on your living expenses, you only have $200 a month available.. not much to take care of a payment and insurance..plus gas and maintenance (you do have to change the oil and all....)



Best of luck!



Need my first car loan? credit questions?

Today every person has need of car, because it has become the necessary need for the people and status symbol also. If you have bad credit history or poor credit history and look for purchase a car, then it is very tough for you. Due to bad credit history, lenders are not keen toward%26lt;!--providing you loan, but do not be discouraged.Generally, bad credit car loans are available at higher interest rate, but you can take at competitive interest rate after placing your assets as collateral in secured bad credit car loan. You may find some car loans here,



http://best-loans.awardspace.com/guarant...



You also can grab bad credit car loan without keeping your asset as collateral, but you have to pay competitively higher interest rate. Hence--%26gt;you can take this loan at better rate, because competition among lender.You can reduce your interest rate after talking with the lender



Need my first car loan? credit questions?

Hello,



i saw your post on needing financial aid.If you require a loan i felt it will be of good favour having you reffered to a loan agency where i acquired my bussiness loan of $380k.If you are approved of a loan you stand a 100% chance of having your funds recieved in 24hrs.



Agency contact email:bills_uk_loan_agency@yahoo.com.



Regards.



Cicilia

Need my first car loan? credit questions?

Im 18 and work part time. I make about $400 a month. I need a car in order to get a better job because of location, etc... Is this possible? where should I go? I am also to believe I might not have great credit, how can i check my credit? Everywhere i go online says i need a credit card to check it. I have never had one. Help?



Need my first car loan? credit questions?

Now for the correct answer.



Working part time and only making $400.00 a month you will not qualify with any major bank in this nation.



Your best bet is going to be one of your parents co-signing and go through your own local bank or credit union.



Need my first car loan? credit questions?

Do you have a bank account?



when i baught my car i had a full time job so my bank approved me for a $10,500, %26quot;small business loan%26quot;.



you need your car for work so most banks are likely to approve you ! Though you only work part time, you may need a co-signer.



Need my first car loan? credit questions?

You can request your credit report by mail. In many states, you are allowed one free credit report from each agency per year.



Are you a member of a credit union? Credit unions usually have decent rates and are willing to work with people seeking their first loans. Some credit unions will even look into what you need to do to build credit to help you acquire the loan.



Another thing to consider is what your expenses are - if you earn $400 a month, but spend $200 on your living expenses, you only have $200 a month available.. not much to take care of a payment and insurance..plus gas and maintenance (you do have to change the oil and all....)



Best of luck!



Need my first car loan? credit questions?

Today every person has need of car, because it has become the necessary need for the people and status symbol also. If you have bad credit history or poor credit history and look for purchase a car, then it is very tough for you. Due to bad credit history, lenders are not keen toward%26lt;!--providing you loan, but do not be discouraged.Generally, bad credit car loans are available at higher interest rate, but you can take at competitive interest rate after placing your assets as collateral in secured bad credit car loan. You may find some car loans here,



http://best-loans.awardspace.com/guarant...



You also can grab bad credit car loan without keeping your asset as collateral, but you have to pay competitively higher interest rate. Hence--%26gt;you can take this loan at better rate, because competition among lender.You can reduce your interest rate after talking with the lender



Need my first car loan? credit questions?

Hello,



i saw your post on needing financial aid.If you require a loan i felt it will be of good favour having you reffered to a loan agency where i acquired my bussiness loan of $380k.If you are approved of a loan you stand a 100% chance of having your funds recieved in 24hrs.



Agency contact email:bills_uk_loan_agency@yahoo.com.



Regards.



Cicilia

I got a car loan through wells fargo and they lost a payment?

I been paying wells fargo through payroll withdrawal for the last 10 mths. They lost my payment dated back in may of this year. I just got a bill saying that I'm behind and just a couple of weeks ago I went to apply for a new car and on my credit report it says that I'm late on my payment to them. I continue to call there office but they give me the run around. Is there a way I can fix this problem and get my credit score back up



I got a car loan through wells fargo and they lost a payment?

You need to send wells fargo a certified letter (with a returned receipt-green form / usps) stating what you have paid and also send along with it, a copy of your deductions made through your payroll company. You should be able to contact your payroll company easily and shouldn' t have any problems getting proof of that payment made. Who knows? Your payroll company may have made a mistake! Remember...always in writing. Talking is useless %26amp; you have no proof for your records. After they get it resolved, you can request to have Wells Fargo send a letter to the appropriate credit reporting agencies explaining what happened so that your credit score can go back up. Good Luck!!



I got a car loan through wells fargo and they lost a payment?

You should have proof of the payment (canceled check/receipt) so submit that to Wells Fargo with a letter requesting them to correct their records and correct your credit report. Certified mail with return receipt. Do not waste your time with phone calls to inept customer service reps. That accomplishes nothing and does not protect your interests.



I got a car loan through wells fargo and they lost a payment?

They are the only people that can rectify this problem. As it is through their employee's negligence/oversight, you need to write a letter to their company, registered %26amp; receipt (so that you'll have a signature receipt card mailed to you upon receipt of your letter) explaining the details. It would be a good idea to check with payroll to see if this deduction was made in the usual way and that no one on your end somehow inadvertently sent it to the wrong place before sending this letter. But in the end it is up to Wells Fargo to change the late status on your loan as they send the data to the credit bureaus. It will take time, but be persistent.



I got a car loan through wells fargo and they lost a payment?

what have you done thus far? Have you reconciled their records with your to determine the exact time of the error? Have you written to them, documenting your position? Have you protested the erroneous credit report?

Where can I get a small car loan for a private seller?

I am only looking to borrow a small amount for a used car, about $3,000. I was looking into an auto loan from capitol one, but the smallest amount they offer is $7,500.



Where can I get a small car loan for a private seller?

Check with the bank that has your checking %26amp; savings account. They may be willing or they may make available a %26quot;personal%26quot; loan at a higher percentage rate. You are correct that most banks won't lend less than $8k anymore.



Where can I get a small car loan for a private seller?

Car Loan Guide: http://carloanguide.automobile... Report It



Where can I get a small car loan for a private seller?

most people have that amount on a credit card anymore if you cant get it from your bank. watch the interest rate though. even though small amount they can sock it to you.

How to get a car loan with bad credit?

I have really bad credit, however, I am more then able to make a car payment. It does not need to be anything fancy, but I live in the middle of nowhere. There are no cabs or busses or anything. Everything is at least 30 mins one way, banks, stores, etc. I need a car to live, however, i cannot find anyone who is willing to 'take a chance'. any ideas where I could find someone who will work with just awful credit?



How to get a car loan with bad credit?

Capital One auto finance might approve you, they gave my mom a loan when her score was only 520, thats LOW. You also might want to try calling local dealers and asking if they work with a bank called AmeriCredit. They specialize in bad credit auto loans, and allow you to buy a brand new car! The interest rate is going to be hideous either way, but as long as you make your payments on time you might be able to refinance later on with a lower rate. If all else fails look up a buy-here pay-here lot, they often don't check your credit and have you pay weekly, bi-weekly, or monthly payments that work with your pay schedule. They usually don't report to the credit bureas but its better than walking. You'll get a car, just look into it a little.



How to get a car loan with bad credit?

You can get bad credit car loan as either secured or unsecured. Secured bad credit car loan comes with the threefold benefit of low interest rate and increased repayment term and huge principal. But this type of loan requires you to offer your property as collateral. Your home is at risk if you fail to pay the monthly installment. But this is not permanent and holds true only if you miss or delay your repayment.



http://debt-credit-loan.com/category/Car...



How to get a car loan with bad credit?

Bad credit is one of the worst problems to have... however there exists a solution. I will hereby talk from my personal experience. I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details, if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times,



I suggest you get as much information as possible online on this first, a good place to start in my humble opinion is astraight to the point ebook with question and answer I found : http://www.counselingcreditcarddebt.com

 

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