Buying Chevy Malibu or Ford Fusion

[Nick The Great]

Sorry to hear about the finance stuff. That credit game is murky and complicated. And that's for the guys who understand it!

The longer you wait the cheaper things get and the more $$$ you'll have saved up

You got that right that its merky. I have never missed a payment yet rolling low 600s isn't acceptable. Oh well. I keep telling myself that too, now I can find another one with less miles and put a bigger Down payment a couple months from now. Or try a newer Fusion and decide I like that more.

Yeah I found out in college about that stuff. I had bought my truck with cash. I had paid for my first year of college with savings and scholarships. But when I went to Verizon to get a cell phone, my mom had to co-sign for me because they didn't like my credit . . .

 

[UnLiMiTeD]

Weird, they must be alot stricter with your credit score in the states i guess. I didnt have much credit when i bought my truck brand new and i was approved with no co-signer.

All i had was a credit card for 2 years and a cell phone. All other vehicles i bought were paid outright, never any loans. The dealership wasnt sure if i would be approved or not because i didnt even have a down payment either, but i got it right away.

Might have to do with my monthly income though, not sure what yours is but i beleive that plays a factor

 

[DarrenWS6]

Weird, they must be alot stricter with your credit score in the states i guess. I didnt have much credit when i bought my truck brand new and i was approved with no co-signer.

All i had was a credit card for 2 years and a cell phone. All other vehicles i bought were paid outright, never any loans. The dealership wasnt sure if i would be approved or not because i didnt even have a down payment either, but i got it right away.

Might have to do with my monthly income though, not sure what yours is but i beleive that plays a factor

My bank is strict as the dealer banks are. There are alot of loans out this way though, between gas company pricks and all that, I think they are just strict because of it all. They would take my truck for collateral but I said no way. I have a ton of home bills and a cell bill myself and have bought 3 trucks already, they just don't want to give me out a loan unless I down pay near 40% it looks or have a full 650+ score.