Easy Car Loan

Leota · by **Leota** » 28 Nov 2009, 17:05

I have been banking with them for about 4 years. I don't have all that much credit in general, but I have consistently paid all of my bills on time. I was wondering about experiences others have had getting an auto loan at a credit union.

Adrianna · by **Adrianna** » 28 Nov 2009, 17:05

You said you don't have much credit, but even a little is better than none. Another important factor is that you've paid your bills consistently on time. I work at a credit union now, but even before then I banked with one as well. I got my first car loan when I was 21, and although I had a bit of a credit history, as I had a credit card since I was 19, and paid off my balance regularly and without any delinquencies, I still had to get one of my parents as a co-signer.
I guess some points to keep in mind is how much you are looking at borrowing, and how the credit union considers your relationship.

Debbi · by **Debbi** » 28 Nov 2009, 17:05

Will it be easy for me to get a car loan, once I pay off charge offs that were charged off between 2-6 months?

I have 3,000.00 worth off charge offs on my account, vehicle dealership is asking for 2,000 down at the moment, if I pay the charge off's will it allow me to get a car loan or what?

Philip · by **Philip** » 28 Nov 2009, 17:05

WTF

I read your other posts. You are a financial mess. And now you want to buy a 2007 Mustang. Please!!!!!!!!!!

What about the other car you gave back. You couldn't even afford 160 a month.

GROW up and drive a car you can afford. Use the 2000 and buy a used honda.

Genia · by **Genia** » 28 Nov 2009, 17:05

My car loan is in my mom's name, and I'm a cosigner. How easy is the process to transfer it to me?

When I pay it off, obviously I want that car in MY name since it's mine and I paid for it. How easy/hard is it to transfer the title over to me, and JUST me?
I'm a woman.
And I will be reporting all of the spam on here.

Doyle · by **Doyle** » 28 Nov 2009, 17:05

The question is who is the title named in? If the title is in both your names, it's very easy to have your mom's name removed. Just need to file through DMV.

If it's just the loan that's in both your names and the car is in her name, I'd still call the DMV to ask. Depending on the state it might be just as easy or you might actually have to have your mom "sell" the car to you.

Darrel · by **Darrel** » 28 Nov 2009, 17:05

Im 19 and going to school, so i have 1000/month from student loans. but i really want to get a new car. i have a 2003 suzuki aerio and have had it for about 2 1/2 years and i want to get a better car in about 6 months or less. i dont have any credit, and ill have about 4500 from the trade in value of the car

Shara · by **Shara** » 28 Nov 2009, 17:05

You will most likely need a co-signer. Lenders will look at things such as 'loan-to-value', 'debt-to-income', your credit, income and job history. Since you have limited information on record, your loan will have a higher risk, which is why lenders ask for co-signers. Good luck and I hope this helps.

I've bookmarked this site to go back to next time I need a loan...

http://www.knowledged.info/go.php?link=auto

Good luck

Easy Car Loan

How Easy Is It To Get Approved For Car Loan At Credit Union?

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