I’ve bought several cars and always just go with whom ever the dealership finds to carry the loan. Would I be able to get a better interest rate if I did the work and looked for a bank/company to carry the note? Or will I get the same results they get? Thanks 
10 points
My current experian credit score is 637. If i finance a car loan will it bring my score up?
07 April 2010I just got approved for two department store cards and got rejected for one or two majors. I know the fact that the lenders are checking my credit affects the score but with the car loan will it bring the score down?
Finding a new company to finance a car loan?
04 April 2010Right now i’m currently with CITI Bank. I’m desperatly trying to find a new company to finance through, simply because CITI bank is just plan nasty, one day late on a payment and they call me, asking me where my car was because they were going to pick it up, it ended up in a screaming match, because I don’t put up with b.s. like that.
Is it even possible to switch? If so, How?
Should I wait to re-finance Car Loan?
01 April 2010I had to close out 3 accts: 2 cr cards 1 LOC, and I just learned that one of my chks from cr card was ret’d for insufficient cash. I want to sign up for a Credit Union in order to re-finance my car loan to a smaller APR (8.99% now). Should I wait until my credit history calms down before I join Credit Union? Or just not apply for a car loan until next yr when my credit settles a bit? I did sign up for a debt management solution which downsized my monthly pmt on the 3 closed accts.
Is it possible to get a dealership to finance a car loan for you with a poor credit score?
30 March 2010I have a very high income to debt ration but have a poor credit score (592) and am wondering how possible it would be to get financed for a 40000$ automobile which I have plenty of income to make payments on.
What happens when you received a settlement figure for a finance agreement / car loan…?
27 March 2010and you can’t manage to pay the full amount within a month? My insurance company is paying off most of my car loan after my car’s been written off, but there is £400 outstanding and I don’t have the cash right now to pay to clear this loan.
I am the cosigner on my ex husband’s loan (UGH!) and he is in default. My car loan is financed through the same bank. The vehicles were purchased at separate times and through separate dealerships. Can the credit union repossess my car too if his gets repo’d due to nonpayment? We are in Oregon if that helps.
Car Loans apr/ finance/ paying early?
21 March 2010Just trying to understand how APR works and what happens if you pay early and more than the amount owed each month.
Lets say your original amount financed is 20,000 and your APR is like 9.5 your payment is 365………. what if you pay 400 a month for the car….
Give me some scenarios of how a person can save money via intrest and explain how apr works
I am 24 and always rocked personal buyer cars! I want a car from an actual dealer now. But I want to know what I must do. I have good credit, I am preapproved for car loans, etc. What are the requirements??????
when it comes to financing a vehicle, does the bank/institution determine how long the loan will be? 36, 48, 60, 72 months? im looking at an 05 and i dont want to be put in the 36 months bracket as my payments are expected to be too high. the car is 11995 but we want to get it down to 10500 or a lil lower. i want to have some say in the finance negotiations.
