stoliesmom 10 Posted September 26, 2005 Report Share Posted September 26, 2005 Hi everyone,My car lease matures next month and i need to refinance it. I'm pretty much at 100% loan to value on the darn thing. I've been turned down by Household and E Loan even with my mother cosigning. she has perfect credit. I have three chargeoffs within the last three years but have never been late on my car payment. has anyone else gotten approved? i'm in south carolina.thanks for any advice. i have three weeks to do something!btw, don't think i can buy anything else because the trade in value on the car is $2000 less than the payoff! the retail value is a little higher but there's no way i can sell it in time. Link to post Share on other sites
Anonymous 10 Posted September 26, 2005 Report Share Posted September 26, 2005 Right there is why auto leasing as an individual - SUCKS!!!Are you sure you're only 2000 upside down and not going to get kabonged with mileage fees and bogus cleaning fees? I know some dealers will take the amount you're underwater and put it to a new lease if you want to go that route. But you're be paying more for a "cheaper" car. Link to post Share on other sites
Todd1225 10 Posted September 29, 2005 Report Share Posted September 29, 2005 Try www.straight-away.com, they approved me and the wife only 4 months post BK. Had to be a 2000 or newer, less than 70k miles, but could be from a dealer or individual.We applied at eloan.com, they referred us to roadloans.com, and they put us with straight-away.com.Hope this helps! Link to post Share on other sites
Ravenous Wolf 184 Posted September 29, 2005 Report Share Posted September 29, 2005 I have three chargeoffs within the last three years but have never been late on my car payment.Being a little bit bad in credit is like being a little bit pregnant...Just because you made payments on other stuff but [EXPLETIVE DELETED] over a few other places doesn't mean that your score is going to overlook what happened.Its like a dude wondering why a chick got pregnant because he wore a raincoat all the time except once...It just takes one charge off to completely jack your credit... Link to post Share on other sites
