Car loan question?

I know I should wait to apply for a car loan and rebuild credit after bankruptcy but my wife needs a vehicle her engine just completely blew(we have savings but not enough to cover the cost of labor and a new motor). I have a new job that I am making triple what I was making 3months ago problem is I have only been there for 45 days, after 60 I am in the union and get an even better raise.(it is the same line of work) I used to make 25000/yr. now I will be making close to 57000 a year. Bankruptcy was discharged in June. With the bankruptcy and the new job would I even get an auto loan even a small one, like 5-9k? She just needs something because we have 2 kiddos and one on the way. My car is a 2 seater work car cause it is good on gas(plus its stick and she cant drive stick). Sorry for the book, but realistically are my odds. My credit scores are 621,616,590, with the bankruptcy reporting on all of them.

Car loan question?

I have no idea what is wrong with all these other people. Apparently they cannot sympathize and have never been a position that most other average americans are in. Lets just hope they have the same experience someday so they can change their tune.

First you need to make sure whatever you apply for you do it with 2 weeks so it will count as 1 inquiry ( if you go through 10 different finance companies in 1 week to get a loan it will count as one inquiry on your credit report). Secondly that being said shop around. I would try eloan first, then keep hitting internet sites til you find the best deal for you. Good luck and I have been in this kind of tight spot before and I know it SUCKS. I do not suggest a Buy Here Pay Here unless as a last resort. Just because it will not go on your credit and after bankruptcy any car loan will help you credit if you pay on time even if the payments are high. Plus with all this overtime you should be able to at least get a 9k car especially since you a very good down payment. Do not click on those links above!

Car loan question?

If you cannot afford the repairs to your current car, you will not be able to afford the payments for a new car loan. You best option is to buy an inexpensive used car that you can afford and will work until you have more money.

Car loan question?

Have your family back you as a cosigner, if they believe you are doing it for your family and have no addictions, why wouldn't they sign.. Make them a deal, do them a favor or 2..

Also put a hunk down on the purchase of a used car, right about now car dealers are getting year end shipments of used or older model year cars, at great discounts..

And for toppers what lie in your savings account.. Is a part time job out of the question for 3-6 months?

Good Luck

Car loan question?

If you can show your proof of income to a car dealer, then I think you can get a car loan. Just be sure to pay on time, though.

Car loan question?

the only way you are going to get an approval is to go to a buy here pay here place. Most banks require at least a 650 credit score to get an auto loan. I would suggest trying a buy here pay here place or buy something you can afford with savings and in a year or two try it again.

Car loan question?

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