ThePeacock Posted January 30, 2005 Report Share Posted January 30, 2005 Chap 7 BK discharged 10/03I have 3500 to put down. Looking for a 15-20K loan that's not in the freaky 21% arena.I have a one complete paid infull 5 year auto loan w/ 4 30-day lates and a new current auto loan reporting all 13 months possitive. I'm notupside down in the loan and expect to trade w/ purchase. I got approved for $15K through Roadloans, but have to wait until tomorrow to get the details (term & %)....Is there anyone else I should consider? Link to comment Share on other sites More sharing options...
mikeee1 Posted January 31, 2005 Report Share Posted January 31, 2005 How is your income. If it is pretty good try Patelco. With a 611 EX score you might be able to swing a pretty good rate. I had Roadloans for a year at 13.09% and that was 6 months after discharge. Now after two years just refi'd with DCU at 6.25%. My score at the time of the DCU loan was 655 and they pull only EQ. Patelco is the one that pulls EX so try there first. Mike Link to comment Share on other sites More sharing options...
ThePeacock Posted January 31, 2005 Author Report Share Posted January 31, 2005 I just got 15,000 @ 13.75% simple interestfrom Roadloans. Better than expected. With my down it will be enough to get something I like. Link to comment Share on other sites More sharing options...
ThePeacock Posted February 15, 2005 Author Report Share Posted February 15, 2005 Surprised again. GMAC got me down to 9.9% @60mo. That dealer didn't like that I was gonna write them a check. Their first quote was insane I told them they were way out of the ballpark. I probably could have haggled for better but I had already been their an hour. All in all it was the fastest car buying experience I've ever had. Link to comment Share on other sites More sharing options...
jlouki01 Posted February 16, 2005 Report Share Posted February 16, 2005 9.9 with anything under a 625-650 is pretty damn good. Link to comment Share on other sites More sharing options...
score booster Posted March 24, 2005 Report Share Posted March 24, 2005 GMAC will finance anyone over 600 from what I hear from chevy dealerships. Link to comment Share on other sites More sharing options...
Jaypeetz Posted March 25, 2005 Report Share Posted March 25, 2005 I got approved for PATELCO.....but i have to open an account. I dont qualify to open one because i dont live or work in california and my employer isnt on their List. What do i do?? I NEED a 20000 auto loan, buying from a private party! PLease HELP. CREDIT SCORes areTU & EX 582 and EQ 600 Link to comment Share on other sites More sharing options...
ThePeacock Posted March 25, 2005 Author Report Share Posted March 25, 2005 I got approved for PATELCO.....but i have to open an account. I dont qualify to open one because i dont live or work in california and my employer isnt on their List. What do i do?? I NEED a 20000 auto loan, buying from a private party! PLease HELP. CREDIT SCORes areTU & EX 582 and EQ 600For the Organization on the top right of the application page put California Association of Older Americans. They don't even check or care that you don't live in California.No sweat, you'll be fine. Link to comment Share on other sites More sharing options...
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