BoostCraze

Hey hey hey
well i dont have perfect credit, and i just went through a bankruptcy, which bankrptucy doesnt mean ---- when they say it takes 6 years to get credt back cuase i already have a credit card again, which im not gonna ---- myself like i did last time, but anyone know a place online that gives car loads to people with less then good credit, looking to pick trade my car in and get a loan and get a newer gsr, tired of my old pile of ----, anyone know?

spoon fed

chances are if you've gone bankrupt before you shoudln't be trying to get another loan for a car you can't afford. Try the good ol fashion way by getting a job.

BoostCraze

i have a job dipshit, and ive had one for 5 years, i just spent to much money on CC beofre thats why i had to do the BK thing, i have never had any car taken away from me or anything like that, i just have a old car now, and i want to upgrade

butterknife

I would search like bad credit auto loans online or go to car dealerships most of them today will give you a car if you have no credit at all they just rape you on interest

70Challenger

watch daily talk shows like Maury, or Jerry Springer... They always have those ads during the commercial break that go something like this:

"so you fucked up your credit and have filed for bankrupcy, and now you want to start the cycle all over again buy purchasing luxerys you really dont need WE CAN HELP!!!"

I'm sure one of them would gladly do something for you!

butterknife

people make mistakes honestly I think that if your trying to reapair your credit and you have the money getting a car isnt a bad choice as long as you make all the payments

asianpoet

there just going to charge you like 13-25 % interest... as a first time car buyer.. although its a good way to boost your credit.. even if your is less than perfect..
for example, my wife has awesome credit (unlike myself. lol).. shes got like 700-750 beacon score, and to boost her credit, so that when we decide to buy a house. we would already have established a good credit. so we bought a car, to do that... and she still got charge 8.64% which is considerably low... for a first time buyer. although we do have enoght to pay it off now. were just waiting for our cds to mature..
My suggestion, is toknow how much you want to pay.. (monthly) and go alot lower than that..when the saleperson ask.. " how much can you afford a month" know how much the car is worth, and what your willing to give for it.. Pay more towards the principal amount, to cut the interest on the car that you purchase..

Search the penny saver, or local paper to find a dealer that handles your typical credit history

70Challenger

be careful, i worked at a loaning institution, and if you get a loan at like 15 percent interest, this does not always mean that you are building good credit. Banks will sometimes view that as "Why did you have to go for 15 percent interest, is this the lowest you could get? This guy must be a high risk" and you dont get the loan. Not always the case, but something to concider! Just some food for thought

BoostCraze

we acualy we are looking to get a house in like 5years, so maybe i should finance a car to help boost my credit before i get a house

asianpoet

buying a house is a good idea.. this way you know that your going to get something out of it after. 20-30 years. Its definitly better than throwing it away, on rent..

just a little hint, when you do buy a house, make the payments, bi-weekly (if you can) this will help you pay off a house in like 26-28 years. thats assuming that you do get a 30 yr fixed. Now if you were to pay an extra hundred bucks on the monthly mortgage, that would save you another 2-4 years of interest.. just in case you dont believe me, you can ask a mortgage counselor, or whatever they are called..

but before we get to side track.. in your situation.. you should find out what your becon score is..I think you will find that out. I think it breaks down like this. ofcourse there are many factors to consider.. Income/debt ratio
oustanding balances, monthly commitments. (housing, food, things of that nature) past credit history, credit limits. any and all derogatory remarks on your past credit statements.. yada, yada..
850 is perfect 750 very responsible 600 high risk. Hope this gives u a bit of insight, in your credit future