Comments on: Tote the Note – We Finance Everyone Car Dealers http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/ How to get an Auto Loan with Bad Credit - Auto Credit Express Sat, 21 Nov 2009 02:35:43 +0000 http://wordpress.org/?v=2.6 By: Dave LaLonde http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-3465 Dave LaLonde Thu, 24 Sep 2009 13:32:33 +0000 http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-3465 Melanie, We cannot tell if we can help or not with the information provided, that's why we require a complete credit statement. There are variables to consider such as job time, disposable income, debt to income and payment to income ratios, total cost of vehicle ownership including auto insurance, the equity position of the loan, loan to value, not to mention down payment and items listed on your credit report. Most everyone will qualify for a lending program, however, the approval may limit vehicle selections and require a cash down payment based on the approved loan to value amount. Melanie,
We cannot tell if we can help or not with the information provided, that’s why we require a complete credit statement. There are variables to consider such as job time, disposable income, debt to income and payment to income ratios, total cost of vehicle ownership including auto insurance, the equity position of the loan, loan to value, not to mention down payment and items listed on your credit report. Most everyone will qualify for a lending program, however, the approval may limit vehicle selections and require a cash down payment based on the approved loan to value amount.

]]> By: melanie http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-3458 melanie Wed, 23 Sep 2009 19:41:27 +0000 http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-3458 i have one child two jobs and a sick father my mom cant drive and i have to take my dad back and forth to the drs.. i have to hitch a ride to and from work and back and forth to take care of my errans and my parents banking and shopping my car broke down with 222,000 miles.. i dont want to keep putting money in to this clunker can you please help me.. i have one child two jobs and a sick father my mom cant drive and i have to take my dad back and forth to the drs.. i have to hitch a ride to and from work and back and forth to take care of my errans and my parents banking and shopping my car broke down with 222,000 miles.. i dont want to keep putting money in to this clunker can you please help me..

]]> By: Steve Cypher http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-3330 Steve Cypher Fri, 28 Aug 2009 18:02:56 +0000 http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-3330 Brandi, Since you don't have money for a down payment (something that a "buy here pay here" dealer will absolutely require), you might want to check to see if there is a "rent to own" dealer in your area. Brandi,

Since you don’t have money for a down payment (something that a “buy here pay here” dealer will absolutely require), you might want to check to see if there is a “rent to own” dealer in your area.

]]> By: brandi http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-3289 brandi Wed, 19 Aug 2009 12:19:43 +0000 http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-3289 I want and need a car desperately! I have a co signer but come to find out his credit isn't that much better than mine!! I don't have money to put down! I'm tired of public transportation I have two jobs my own place and in college! Help me please I want and need a car desperately! I have a co signer but come to find out his credit isn’t that much better than mine!! I don’t have money to put down! I’m tired of public transportation I have two jobs my own place and in college! Help me please

]]> By: Steve Cypher http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-3226 Steve Cypher Wed, 12 Aug 2009 19:10:53 +0000 http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-3226 Jamie, If you have no money down, you are going to have a very difficult time finding a buy here pay here dealer - which is the only kind that doesn't do a credit check - to sell you a car. They generally want a large down payment and your '92 Cadillac is not worth very much as a down payment. Since the Cadillac qualifies as a "clunker", your best bet would be to go to a volume dealer (Chevrolet, Kia, Hyundai) and see what they can do on a deal with an entry level car (Aveo, Rio or Accent) Jamie,

If you have no money down, you are going to have a very difficult time finding a buy here pay here dealer - which is the only kind that doesn’t do a credit check - to sell you a car. They generally want a large down payment and your ‘92 Cadillac is not worth very much as a down payment.

Since the Cadillac qualifies as a “clunker”, your best bet would be to go to a volume dealer (Chevrolet, Kia, Hyundai) and see what they can do on a deal with an entry level car (Aveo, Rio or Accent)

]]> By: Jamie http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-3225 Jamie Wed, 12 Aug 2009 18:12:21 +0000 http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-3225 I have a 1992 cadillac eldorado V8 4,9 L engine, runs good and has many new parts on it and also has 167k.... I been trying to sell it or trade it in on something, if possiable....I dont have really good credit and no money down at the moment....But work 2 jobs for the past 2 months almost, is there anyone that knows where I could trade my car in with no money down and no credit check, please let me know. thanks!!! I have a 1992 cadillac eldorado V8 4,9 L engine, runs good and has many new parts on it and also has 167k…. I been trying to sell it or trade it in on something, if possiable….I dont have really good credit and no money down at the moment….But work 2 jobs for the past 2 months almost, is there anyone that knows where I could trade my car in with no money down and no credit check, please let me know. thanks!!!

]]> By: Steve Cypher http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-2471 Steve Cypher Mon, 15 Jun 2009 18:56:15 +0000 http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-2471 Junior, Did your insurance cover the loss of the car? Junior,
Did your insurance cover the loss of the car?

]]> By: junior http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-2453 junior Sun, 14 Jun 2009 13:24:51 +0000 http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-2453 my girlfriends dad crashed our car i have a son thats just one week old i have bad credit and the car dealer that i got the from was from a bad credit place and that was our last option realy need a car asap but just have no where else to go now please help my girlfriends dad crashed our car i have a son thats just one week old i have bad credit and the car dealer that i got the from was from a bad credit place and that was our last option realy need a car asap but just have no where else to go now please help

]]> By: Steve Cypher http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-2056 Steve Cypher Tue, 19 May 2009 13:36:26 +0000 http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-2056 Flora, Thin credit files (no credit history) are a big problem for young car buyers. Without a co-signer, you will need 20% to 30% down, with a solid job history and a good monthly income, in order to get financed through a conventional or near-prime lender. Without a co-signer, your only choice is probably a buy here pay here lot with a dealer that reports to the credit bureau so that your payment history appears on your credit report. Expect a down payment in the $1,000 range. Flora,
Thin credit files (no credit history) are a big problem for young car buyers. Without a co-signer, you will need 20% to 30% down, with a solid job history and a good monthly income, in order to get financed through a conventional or near-prime lender. Without a co-signer, your only choice is probably a buy here pay here lot with a dealer that reports to the credit bureau so that your payment history appears on your credit report. Expect a down payment in the $1,000 range.

]]> By: Steve Cypher http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-2053 Steve Cypher Tue, 19 May 2009 12:59:29 +0000 http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-2053 Ed, There are subprime banks that will finance you. Just remember that with your recent defaults, the interest rate will be higher than normal until you can reestablish your car credit. Go to www.autocreditexpress.com and fill out the application and, if you haven't been contacted in 24 hours, call the toll free number listed on the page. Ed,
There are subprime banks that will finance you. Just remember that with your recent defaults, the interest rate will be higher than normal until you can reestablish your car credit. Go to http://www.autocreditexpress.com and fill out the application and, if you haven’t been contacted in 24 hours, call the toll free number listed on the page.

]]>