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what does the govt have to do with you not being able to get a car loan

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The no concealed carry in a bank. Duh

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not sure if this is true or not but....


everytime someone runs a credit check on you it can/does lower your overall points. and when creditors see that your shopping around for a loan based on the number of times your report has been pulled they look down on that and will raise the rate of the offered loan to you.

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Its not...

you do get a small "ding" when you look apply for credit, but you can shop the ---- out of it after taht... you have 30? days to apply at as many places as you wish (as long as its for the same type of loan) and it will not impact you.

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you can concealed carry in any private bank in most if not all states w/ concealed carry laws

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Stevemode is correct. I have $650 in the new drivetrain in my 300K beater, I will freshen brakes and suspension and milk that ----------er to a half million minimum.

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FYI a 650 FICO isn't that fantastic. I'm going to assume you have some negative ---- on your credit reports? Some late payments or some collections? Short credit history?

You're applying for a fairly small loan on a cheap, older car that isn't going to hold it's value for very long. Banks don't want to loan against an asset that's going to be worth the equivalent to PISS in less than half of the term of the loan. That leaves them with nothing to secure the loan if you ---- up. Consider yourself lucky to be getting offers of around 10% for such a loan. Also, used car loans in general don't allow for prime interest rates like new cars do.

Used, old car=higher interest rate
New car=low interest rate

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my $500 craigslist rabbit just turned 390K today. 1.8 8v ftw.

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Dude after spending over a year at work buying junk chryslers from people for $300 that they paid 30k for new. I will never have a car payment again. No car is worth a loan to get.

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Also, have you noticed most people with truly sick turbo cars daily drive 1982 Tercels? This ------- hobby educates you on the real value of a car pretty quick.