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Discussion in 'Credit Talk' started by Desmond, Feb 13, 2001.
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I've found out that those silly commercials that say...no credit, bad credit, no problem... are misleading. You must have a substanial down payment or the interest rates are out of this world.
I WAS IN THE CAR SALES BUSINESS FOR A YEAR.I MUST TELL YOU THAT ANYONE WITH A BK WILL HAVE A THOUGH TIME GETTING APPROVAL ON THEIR OWN.
THINGS YOU NEED.
1.STRONG CO SIGNER
2.ABOUT 40% DOWN
PLEASE NOTE EVEN APPROVED THE RATES WILL BE VERY HIGH.
IF THEY TELL YOU THAT THEY CAN'T PUT YOUR NAME ON THE DEAL. GET UP AND WALK AWAY.
Also, if you had a car loan at the time of the b/k did you reaffirm the debt? GMAC, etc will look at any auto repossession, etc. A larger down payment and low tier rating will produce higher apr. c or d, if they would agree to finance you.
You can get a new car just months after discharge with a great financing package with a reasonable down payment.
I know. I did it. At the risk of drawing the wrath of the Ford Credit haters on this list (I can hear them composing their flames now), I highly recommend Ford for its willingness to lease cars to folks just out of a Chapter 7. I got a brand new Taurus at 4.9 percent financing and less than 10 percent due at signing. A $1,000 rebate was applied to my down payment, so I had to come up with very little out of pocket.
An Olds dealer also said he could finance me, but the discussions didn't get far because the dealer was only willing to work on one car on the lot. The Ford dealers all were willing to work on getting us the car we wanted instead of the car they wanted to get rid of.
At least one other person on this list also got a great deal from Ford just months after a Chapter 7. If you are just out of a BK, Ford is the way to go.