Financing a car...

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  • sickkittens
    I am a meat popsicle.
    • Jul 2002
    • 25100
    #1

    Financing a car...

    Do finance companies look for bad credit or the amount of outstanding credit someone has? (Or both?)

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    • detoxed
      vip member
      • Jan 2003
      • 17798
      #2
      Yes, outstanding payments compared to income, and credit score.

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        • squishypimp
          PostMaster General
          • Aug 2006
          • 10781
          #3
          both i think, if you have alot of outstanding credit or a bad credit score look to get denied or raped with extremely high interest rates and a large down payment.

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            • Barefootsies
              Choice is an Illusion
              • Feb 2005
              • 42635
              #4
              Originally posted by squishypimp
              both i think, if you have alot of outstanding credit or a bad credit score look to get denied or raped with extremely high interest rates and a large down payment.
              Correct.

              Plus it depends on what kind of dealer you go to, or what you are looking to buy. Used ar lots are a bit more forgiving than Honda, or some of the new car lots.

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                • lelahosting
                  Confirmed User
                  • Aug 2004
                  • 484
                  #5
                  both

                  they do an overall picture

                  but if you go to the dealer..they will do there best to get you approved..they want to make it work or they wont get paid

                  Your website always needs to be accessible
                  We accept AMEX/Discover/MC/Visa/Paypal/MB/Epass
                  [email protected]

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                    • madawgz
                      8.8.8.8
                      • Mar 2006
                      • 30509
                      #6
                      they cover their asses...
                      TAEMDLRMSKRJIXMRLSMRJ.

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                        • FreeHugeMovies
                          Too lazy to set a custom title
                          • Dec 2001
                          • 14142
                          #7
                          I just went by Lexus and they were offering me 7% and my score is 780. Total BS

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                            • Rochard
                              Jägermeister Test Pilot
                              • Dec 2001
                              • 75762
                              #8
                              I walk into dealerships with my own loan, although I don't tell them until the last moment.

                              Then when I have time I shop the loan around for the best rates. Time to do that with my latest car.
                              Herschel Savage
                              Brooklyn, NY

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