What are you doing / did you do today / CHAT THREAD

[TokyoSkies]

Sorry for the double post here:

I know... I'm just not having any luck finding one on a lot. No one got these in manuals!

It's a luxury vehicle, so yeah haha. Not a lot of people want to drive luxury manuals.

Get preapproved at a credit union. I will not finance a vehicle anywhere but a credit union.

Credit unions are the way to go, but if you don't have good established credit, they won't touch you.

 

[Tig.]

16 people dead in AR.....



s**t I hope ONEfastGSR is alright, wind is picking up here and the lightning/thunder is picking back up now.

It hits here in the next few hours, I'm not worried bout it tho


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[ImportFan1]

16 people dead in AR.....

s*** I hope ONEfastGSR is alright, wind is picking up here and the lightning/thunder is picking back up now.

ONEfastGSR
Last Activity: Today 03:25 PM

 

[crash!]

Get preapproved at a credit union. I will not finance a vehicle anywhere but a credit union.

Sorry for the double post here:



It's a luxury vehicle, so yeah haha. Not a lot of people want to drive luxury manuals.



Credit unions are the way to go, but if you don't have good established credit, they won't touch you.

What about a co-signer?

 

[XpL0d3r]

It hits here in the next few hours, I'm not worried bout it tho


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Be careful! Send me a snap if you a funnel!

 

[crash!]

I was watching some of the uploaded videos on it. s***s scary!

 

[TokyoSkies]

What about a co-signer?

Co-signer can drastically sway the odds if they have primo credit and a good income.

 

[crash!]

Co-signer can drastically sway the odds if they have primo credit and a good income.

Well then that helps. Because I have basically no established credit. I need to get started.

 

[Bhikku]

Co-signer can drastically sway the odds if they have primo credit and a good income.

thisx10

 

[Hecz]

Well then that helps. Because I have basically no established credit. I need to get started.

Are you talking about financing a car?
Someone will still finance you. It'll just wont be as fast as if you had established credit.
Also you might need to show more proof of income then just filling out the credit application at the dealer.
In other words, the lender needs to see that you really will be able to make those payments, since they don't have other type of history go by, they can't just take your word for. You must prove it.
Your interest rate will not be the best because there isn't any credit history
BUT, you can re-finance once your credit starts building up(usually after 8 payments)
Don't get a co-signer, try to do it all by yourself., you're not 18.

If you can wait 8mo-1 year, Go get a credit card and use it as a Tool To Build Your Credit Only.
Then, go finance the car you want.

 

[death the kid]

Lansdale, PA? I'm about 40 minutes from there in Allentown.

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yes. i'm in plymouth meeting now but they are in lansdale. i went to school in upper perk. about 20 mins from quakertown

 

[TokyoSkies]

Are you talking about financing a car?
Someone will still finance you. It'll just wont be as fast as if you had established credit.
Also you might need to show more proof of income then just filling out the credit application at the dealer.
In other words, the lender needs to see that you really will be able to make those payments, since they don't have other type of history go by, they can't just take your word for. You must prove it.
Your interest rate will not be the best because there isn't any credit history
BUT, you can re-finance once your credit starts building up(usually after 8 payments)
Don't get a co-signer, try to do it all by yourself., you're not 18.

If you can wait 8mo-1 year, Go get a credit card and use it as a Tool To Build Your Credit Only.
Then, go finance the car you want.

This is true, but a co-signer isn't a bad thing if you have fledgling/bad credit. In my case, I hurt my credit pretty bad, and spent about 2 years repairing it. It was decent when I bought my car, but not amazing. I got approved for what I wanted with 14% interest. Wasn't doing that, so my mom co-signed. I have 2.99% now. Major difference. The car is in my name, loan is in my name with her as a co-signer, and it's helped my credit significantly. It's all circumstantial!

 

[Hecz]

This is true, but a co-signer isn't a bad thing if you have fledgling/bad credit. In my case, I hurt my credit pretty bad, and spent about 2 years repairing it. It was decent when I bought my car, but not amazing. I got approved for what I wanted with 14% interest. Wasn't doing that, so my mom co-signed. I have 2.99% now. Major difference. The car is in my name, loan is in my name with her as a co-signer, and it's helped my credit significantly. It's all circumstantial!

nah, co-signer is not a bad thing necessarily. my mom co-signed for me on my first car when i was 19, and her name was also on the title lol

 

[Osiris19]

yes. i'm in plymouth meeting now but they are in lansdale. i went to school in upper perk. about 20 mins from quakertown

Oh nice. I'm going to school in Williamsport right now. I'm actually gonna be back in Allentown on the 9th for summer. I make my way down near there a few times. Friend of mine lives in sellersville, not too far from PM.

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[crash!]

I literally have never even owned a credit card. That's how much I don't have established credit. I've been denied a credit card and a loan for this reason.

 

[Hecz]

I literally have never even owned a credit card. That's how much I don't have established credit. I've been denied a credit card and a loan for this reason.

Talk to with your bank, they can help with a getting a credit card - the sooner the better dude. I working on improving my credit because i need to own a house soon, i want to have Great credit. i should have started as early as possible - technically i could of started since my first job, that was when was 16. But, you live and you learn.

 

[mymmeryloss]

Im so ready to go home...

 

[death the kid]

Oh nice. I'm going to school in Williamsport right now. I'm actually gonna be back in Allentown on the 9th for summer. I make my way down near there a few times. Friend of mine lives in sellersville, not too far from PM.

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my first house as a child was in sellerville, then harleysville, and then pennsuburg. then went to school in West Virginia for a bit. well pm/hit me up if you're in the area.

 

[Osiris19]

my first house as a child was in sellerville, then harleysville, and then pennsuburg. then went to school in West Virginia for a bit. well pm/hit me up if you're in the area.

Will do man!

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[death the kid]

right now i'm debating what i want to put on my EJ for dailying. original owner had it on ebay coils with factory struts -_-... who the f**k does that?