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Discussion in 'Credit Talk' started by Shelby, Aug 28, 2001.
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I suggest your brother go to a dealer, pick the car he wants and let them find a a suitable lender for him. You wasted 2 inquiries already. Eloan is not a good source for anyone with bad or no credit. I think banks are very difficult to get car loans from period. The car dealer runs specials all the time for first time buyers. Just let them know that you dont want a lot of inquiries on your brothers report also. You should know by now that EVERYONE needs a original copy of their credit reports from the credit bureaus. So why even try the online access. That will help you tremendously in the future if there are any errors on your report (before and after effect). Good LUck to your bro.
yah depending on the model you should get no more than 11% interest.
Vw of America Credit is 11% for first timer. They require about 10% of financed total down, and they verify everything (1+ year living at residence, 1+ year at job, and % of income to loan amount). Prepare by having proof of residence (lease), Utility bill, Pay stubs or W2, with you, and a contact person, they will call and ask HR about salary and length of job.
Was pretty straight forward. Any derogs, disqualifies you immediately for first time buyers.
If you have 24+ months of credit or a previous car loan, you aren't a first time buyer.
We got a $30000 car loan with $3500 cash down no problems.
Get his credit reports first!! NO, for a 19 yr old to get a car loan is not that difficult, but he would have to show enough income to make the payments. A credit union would be best. But I would check his reports to see if there is something screwy on there first.
My hubby and I have been here and done that. We were also, nineteen at the time and the dealerships and banks continually denied us. We needed a co-signor, blah, blah, blah. We had two credit cards between us (both in perfect standing). My husband's insurance was through State Farm and that is how we got the loan. His insurance agent got him an 8% rate with Jefferson National Bank (later bought out by Wachovia). We continually made payments on it and was never late. We have since paid the car in full. I would get your brother to contact his local insurance agent and see if there is anything they could do. It opened many doors for us when no one else would finance a couple of nineteen year old kids.