I have a really low credit score. What’s the best way for me to get an affordable loan for ..?
a car? I want a car that costs no more than 5,000 or 6,000
I want to get a loan for about that price…and don’t want to kill myself with payments either.
perhaps my credit union? I’m trying to get my interest as low as possible..but even if its higher, i’d like to build my credit…..[had alot of outstanding medical bills and one bad credit card]
My score is in the lower 600 range.
Any advice? or idea of what my payments would be most places?
Please don’t be rude… i asked this question earlier and got no help. I have been carless for a longtime due to medical problems and now i finally can buy one.
thanks
January 26th, 2010 at 9:38 pm
My name is Clara Harvey, Am from the UK. I understand you are in need of a loan. I want to introduce the loan company that help me consolidate my depth when i was in deep mess,luggard’s loan firm is The company. They offer all kind’s of loan to anypart of the world even if you have bad credith they steel offer there services to you, There service is very fast and eassy they are the only company that can help you secure a genuine loan no credith check. no social security number. no upfrontfees. if you want to give a try here is there email : luggardsloanfirm@yahoo.com i believed they will be of great help to you…
January 26th, 2010 at 10:37 pm
hi
If you looking for a legitimate payday loans upto $1000 in 1 Hour .once approved your loan will be transferred directly to your checking account promptly, and securely. Now you’ll be able to use the cash for all your necessities.
http://bestpaydayloancompanies.com
• 100% secure and processing
• No faxing -No credit check
• Immediate online approval
• Excellent customer service
• Get Cash in Minutes!
Good luck!……..
January 27th, 2010 at 2:01 am
Hello Ladybee!
First thing is…where did you get your score? If it was from one of those free sites advertised, pay it NO mind. You need to know what your FICO scores are, and you also need to know what is on your reports that is making your scores so low.
Do you have recent reports? From all 3?? If not, go here: http://www.annualcreditreport.com
That is the free site through the Federal Govt. DO NOT buy the scores. It will help you to clean up whatever bad things are posting first….then get the car loan. With higher scores & better rates!
Don’t pay for a credit repair service… Get advice free from the community section in the link below. This site is put out by Fair Isaac…the developer of the FICO scoring system. No advertising & awesome advice!
January 27th, 2010 at 3:41 am
http://loan-seeker.info/bad-credit-loans/ has a list of safe online loan providers, even if your credit is poor.
January 27th, 2010 at 4:10 am
credit-report-free.totalh.com – try this service to boost you credit score before getting loan. After credit repair you can get the loan with minimal interest rate.
January 27th, 2010 at 6:47 am
I think you are unfortunately going to get hit really hard on finance rates. Go to one of those used car lots that advertises “$500.00 down drive today” or “no credit,bad credit, no problem.
So here are some figures
Car Price 5500
Down payment 0
Trade in 0
Sales tax 6.75 % (thats the tax in my area)
Interest rate 20% (this is a fairly high rate – hopefully won’t be higher)
Payment term 48 months (how many months to pay back loan)
Monthly payment 178.86 (your payment … not bad huh?)
You can punch in your own numbers at this web site.
http://www.cars.com/go/advice/financing/calc/loanCalc.jsp?mode=full
Hope this helps!!!!!