Payday Loan Fairy

Okay, I'm really out of options. Everything went bad at once and we're just stuck. Our credit is around 530, and yes, we have been working on paying stuff off. I started job hunting, to help pay more off sooner and get our credit cleaned up. Our van completely died. We looked into having it fixed, but the cost would be the same as getting a new used vehicle. It's old, and we'd already put a lot of money in it to keep it running. We have 4 kids, and the only vehicle we have is small truck that runs on good days. My husband uses it for work. The kids have dentist appts coming up that I have no way to take them to, and I have no way to go to job interviews. We live in a very small town, no buses, and no family around the area to help us with rides. I've tried Wells Fargo, the bank, some of the car dealerships, and turned down. Even if we could just a very small loan for the down payment at a buy here pay here lot would help. Are any of the online auto loan sites legit?

No!!!! I used to work for a company that answered the calls from all those numbers you see on TV. We told everyone that thier application was "accepted" (never "approved"). It was a deal we had with the car lots just to get people in there. The "application" is just a form we fill out about which car you want, nothing to do with your credit. In fact we didn't even ask people thier SSN or info about thier credit, which you have to have to know about thier credit. I don't know about all, but the Co. I worked for handled about 8 of those numbers across the USA. If they don't ask for any personal info (not saying you should give it out anyway, it's just the only way to even know your credit) just about the kind of car you want, and they refuse to say the word approved, you know it's a sham. We had people call back constantly upset b/c the dealer we sent them to laughed in thier face. I hated it and was only there for a month or two. Pays great though if your looking 4 a job and don't mind. They don't require any exp. either. However I do work 4 a buy here pay here place now and we do get loans 4 people w/ bad credit, often through small loan places like americredit and places like that who know the owner and help people out if he sends them there personally. The price and interest rate are horrible and at a lot of bh/ph places you are taking a risk with the car b/c they are "as is", but if you look into them you can maybe find out if they are trustworthy, often they are the only hope 4 some. I also know some people who did get a car at a big car lot during one of thier "no credit check, just have a job" kind of sales, but I don't know about that personally. Good luck!

2008-03-10 06:50:10 by trcyddy

How to get a bad credit auto loan in the USA and Canada. Car loans for bad credit from Auto Credit Express

If you have bad credit, its because you've been unable to pay for what you've tried to purchase in the past.

You don't need an auto loan.



Buy an inexpensive car, $1000-2000. Take what you would make as a car payment, say $300 a month and save it for 10 months. Soon you'll have a $4000-5000. Save another 10 months and you'll have a $7000-$8000 car. Within 2 years you will have a nice car paid for.

It beats the heck out of paying $300 a month for 5 years and having a car thats only worth half of what you'll own in 2 years.




The problem with car loans is you are financing (paying extra) for a depreciating asset.

2006-12-19 15:55:37 by prettygurl

Capitalone already declined me so anything else. Please only answer from experience or if your a lender, just not with a link that will take me to another link and then someone calls 2 days later from a place about 70 miles away. Thank you

I use: http://tinyurl.com/2sqa45

2008-01-28 17:16:14 by brandonneary

CAROLYN F, Try getting an online auto loan quote. http://www.goodinternetdeals.com/Auto-Loans.html The automated questionairre will give you results based on your credit and financial situation. It will only take a few minutes.

2008-11-09 18:53:13 by CAROLYN F

I was looking at a few (car.com, carloan.com, driverapproval.com etc.) where they send your information to lenders/dealers. Has anyone had any good or bad experiences with any of them?

I've been there, it's not good. All they do is run your credit so why bother if you know your not getting approve. The dealership does a way better job at trying to get you a loan so don't bother with online stuff not unless you were once their customer. I've mess with all those sites before and all it did was pull my credit score even lower. They're just advertisement so don't run your credit with each one unless you can rebuild your credit 3x faster.

2008-03-28 08:38:48 by butrfli1227

I need some good and reliable places to apply for auto loans online. I have bad credit because of idenity theft, so something that suits my needs.

check out this site they work with people with all kinds of credit.

http://speedyloanapprovals.com/autoloans.html

2008-06-24 11:01:36 by Kristie Vance