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I'm 19 years old and I have a good job where I make 1200 a week. And I want a car that's 65000. I have no other bills so I can DEFINATLEY afford it. I have a co signer but they have bad credit. I don't mind having a high monthly payment so I just want to know any way I can get approved for a car loan? And would credit union be able to help me Out? If so, how? And the car I would get would be from a dealership
You may be a bit delusional...when one has a high monthly car payment, that alone shows they cannot afford the car.. the rule of thumb is that your monthly car payment should never be above $300/month. If you can save all of your take home pay, then save it for a year and open up a credit card and build up your credit in that year.. don't charge anything you cannot afford to pay off in full each month.. you will be on your way to building a nice credit score if you pay on time, all the time,,but the mindset you have of wanting a car so expensive relative to your income is not a good way of thinking. My husband and I make more than you and we would never dream of spending that much on a car,,but you are young, you do have some learning to do. Good luck.
At 19 no one is going to loan you 65,000 period. If you meant 6,500 and you are really making $1200 a week you should have saved up enough already to buy the car. Bad credit is worse then no credit so your co signer is actually hurting you. Be sure to tell us al how you make so much we wanna do it too Best cheapest way to establish credit is a secured bank loan pay off over 7 months and repeat until you can get an unsecured one. Getting a CC to start your file is stupid
Someone can't be a cosigner if they have bad credit; the lender won't accept them. Actually the car is probably more expensive than you'll be approved for, unless you have a huge amount to put down. What DO you have for a down payment? You WILL need one, and probably a fairly substantial one. A dealer can sometimes get a customer financed who can't get financed on his own. But you'll need a different cosigner, one with decent credit, and will very likely have to find a car that costs less. If you're a member of a credit union, talk to them.
Try OverNiteCarLoan.com, maybe they can help you
You'll never get that much of a loan at your age, with that income and no decent co-signer. He, he. Do you mean 120 per week? Good luck!
No how, no way, no where. you don't need a 65,000 dollar vehicle anyway. Buy a house.
Your co-signer is worthless because their credit would have to better than yours to be considered as a co-signer. Not to mention.... they would have to have the income to be able to pay back a 65K loan should you default. A credit union will lend you money to buy a car but it won't be for $65K. You are too young and have not been at this job long enough and it does not look like you have saved up any money for a decent down payment. Save up around 30K and have that as a down payment and maybe... just maybe... a bank will let you borrow on the remaining 35K that you need to buy that car.
Is that a typo? You want a car that costs 65k? LOL minnesota Uh, NO, you are not going to get a car loan for 65k or even 10k being 19, no credit and a bad cosigner. The cosigner wouldn't even play into the equation because the dealer would say no after looking at their FICO. How long have you had this job where you make $1200 a week? Has it been over a year? Is it self employment or a job you get a paycheck at? If you have been a member of a credit union, you might be able to get a loan, but not for 65k.