Downpayments on a car: 2009

Saturday, October 31, 2009

Can I "return" car??!!!!!!!!!!?

I bought a used car yesterday under no warranty. I signed the contract %26amp; financing stuff but didn%26#039;t take the car to my house yet. (I told them I%26#039;d do it tomorrow...which is today). However, upon asking a lot of people, I found out that the car has no resale value in the future %26amp; that I bought one that would eat a lot of gas up. Can I still %26quot;return%26quot; the car (even though it%26#039;s still at the dealership%26#039;s) even though CA has no %26quot;cooling off%26quot; period? But I never even drove the car yet!! Plz help me out!!!

Can I %26quot;return%26quot; car??!!!!!!!!!!?

OK, first off, there is absolutely no %26#039;cooling off%26#039; period what so ever on vehicle purchases once you take delivery of the car unless granted by the dealership. You can NOT change your mind and take it back within 72 hours. This is United States wide.

However, in your specific case, if you never touched the car, as in never drove it off their lot, then you did not take legal delivery. So, you can actually change your mind. This is the lone exception which is highly debated.

The dealership can and usually will threaten you, however if it went to court, they would most likely loose because the vehicle never left their possession. The laws about your situation are very gray and often misunderstood. Good Luck and I hope this helps.

Can I %26quot;return%26quot; car??!!!!!!!!!!?

You paid the down payment, you signed the papers, etc...so it%26#039;s yours. You could sell it back to them, but a car isn%26#039;t like a kid%26#039;s toy - you can%26#039;t return it without a warantee. Some dealerships have a 30 day money back guarantee on NEW cars, but rarely on used cars.

Can I %26quot;return%26quot; car??!!!!!!!!!!?

absolutely if the car is still at the dealer than you didnt %26quot;take delivery%26quot; and do not have to buy the car...just tell them you changed your mind and want your deposit back...

Can I %26quot;return%26quot; car??!!!!!!!!!!?

Yes you can, you have your own human rights to return something if you are not happy with it. Usually dealers give a 90-day warranty if your%26#039;e not happy with it. By the way, what car is it???

Can I %26quot;return%26quot; car??!!!!!!!!!!?

Sorry, but the car is yours. You signed the paperwork, you agreed to the terms. There is no %26quot;cooling off%26quot; period when buying a car. Car deals are final.

Next time, do your homework before you buy a car.

Edit: The 3-day right to cancel does not apply to auto sales. If you are solicited in your own home, you have three days to cancel a contract, this applies to sales like vacuum cleaners, home improvements, etc. CAR SALES ARE FINAL!

Can I %26quot;return%26quot; car??!!!!!!!!!!?

I thought you had 3 business days to change your mind. I don%26#039;t think it is just in a few states it%26#039;s a federal law. I hope so good luck!!

Can I %26quot;return%26quot; car??!!!!!!!!!!?

You may own this car.

Can I %26quot;return%26quot; car??!!!!!!!!!!?

read your purchase agreement... Most likely, you will not be able to return your car whether you took delivery or not... some dealerships have a 2-3 days return time table but most dont. Read your purchase agreement and it should tell you there...

Can I %26quot;return%26quot; car??!!!!!!!!!!?

. The consumer site below says, YES.

But you have to purchase a %26quot;Two-day return option %26quot; . But even now since you already signed the contract , you might be too late!

%26quot;...Used car protections

Two-day return option on used cars. You can purchase a two-day return option on used vehicles that cost $40,000 or less.

Never buy a car if you feel you are being pressured. But if you choose to buy a used car at a dealership, you can protect yourself by getting a return option. The dealer can charge you for this option.

If you get the option, you can return the vehicle by the deadline for any reason.

Tip: You can get the option for any reason, such as:

閳?You did not get the car inspected yet by your own trusted technician.

閳?You are buying the car 閳ユ竵s is.閳?%26quot; etc. ...

... So, go back to the Dealer NOW and BUY that Option!! It%26#039;ll cost you $75. Plus there%26#039;s a %26quot;Restocking Fee%26quot;.

Then the next day return the car , pay the %26#039;fees%26#039;, and hopefully it%26#039;s a done deal. !!

%26gt;%26gt;%26gt; http://www.consumer-action.org/english/a... %26lt;%26lt;%26lt; .

................. if the salesman doesn%26#039;t go for that, say you want a different car for the same price. Get a Honda or Toyota, fer god-s sake. .

Can I %26quot;return%26quot; car??!!!!!!!!!!?

You signed, so you can get sued by them.

Learn from this mistake and get info next time, salesmen take advantage of people who are not prepared to buy a car.

Can I %26quot;return%26quot; car??!!!!!!!!!!?

nope u bought it only law on that is lemon law that is if car keeps giving problems after short use

If my car and sales tax are financed can I deduct the sales tax on it?

Yes.

If you claim sales tax, however, you will not be able to deduct state income tax paid. Be careful to deduct which ever is highest.

If my car and sales tax are financed can I deduct the sales tax on it?

Whether it%26#039;s financed or not, you can deduct the sales tax IF YOU ITEMIZE. You have a choice of deducting state and local income taxes OR sales tax, not both, though, and if you are working, your income tax would probably be higher than your sales tax.

What would you do in my delima regarding a new car and owing money on a trade in?

i recently traded in my 01 tacoma for a smaller toyota yaris. i still owed 16000 on the truck and the trade in value was only 8250. i still owed 7750 which got added onto the price of my new car. my combined total for the new car was about 27,000 to finance. my bank would%26#039;nt even deal with me because the amount financed exceeds 20% of the cars value which is only 17,000. so toyota financed me and we wrote a contract. today i was told toyota cannot finance me because,like my bank, it is too much of a risk. i am in possession of the new car, they still have my truck...at least i hope they do, and i already have 1,000 miles on the new ride. i was told the only way it will work out for toyota to finance me is for me to put more money down which i dont have or for them to jack up my interest rate. what should i do? tell them to screw off because i already have a contract? what will happen if they want the car back with 1000 miles on it? make me pay for the wear and tear?

What would you do in my delima regarding a new car and owing money on a trade in?

They will not make you pay for wear and tear - it is partially their fault for letting you leave the dealership until they were 100% sure that you were financed. My hubby has been in the car business for 5 years and this happens all the time! Either let them raise your interest rate or take the Yaris back. IF you let them raise your interest rate, then pay it on time every month without a beat and in a year or so, you should be able to refinance at a lower rate! Good Luck!

Also - most dealerships let their employees drive new cars as demos and they put WAY more than 1,000 miles on cars and they are still considered new.

What would you do in my delima regarding a new car and owing money on a trade in?

Here%26#039;s a little piece of advice for the future: If you can%26#039;t afford to pay for something all at once, YOU CAN%26#039;T AFFORD IT!!! Get rid of the car..sell it or turn it in to the dealership...whatever you have to do. Then buy yourself a used car that%26#039;s about 10 years old. That%26#039;s all you really need anyway. You%26#039;ll spend less on repairs for an old car that you would in payments for a newer car, and you%26#039;ll actually OWN what you%26#039;re driving.

What would you do in my delima regarding a new car and owing money on a trade in?

This is a common practice of car salesmen. The put you in the vehicle with the high hopes it will be financed. There is a term for it, but it evades me at the moment.

I would take their car back and get your truck. You are getting way in over your head buying and trading these vehicles . Drive your truck till it dies (hopefully it will be paid off first). Then get yourself a new vehicle.

I would say it is the dealer%26#039;s loss on the 1000 miles you put on the new car. It was their mistake. If they don%26#039;t see it that way just use the magic letters %26quot;BBB%26quot;.

What would you do in my delima regarding a new car and owing money on a trade in?

no, stop, i was a new/used car salesman for GM over 3 years just recently left. the dealer is the one who wrote you up on a toyota contract, the boss of my dealer was like that %26#039;just write it up and well figure it out later%26#039; if they want the car they need to take it back and give you yours back free and clear. period. ive been the salesman in that situation and it sucks. tell them its their problem b/c you fulfulled your end of the deal. second of all...if you can get out of it...do it...all your doing is building up one ball of negative equity that will never end. sell it yourself ot try to do a lease on a vehicle with a higher msrp, vewhicles that are higher in price are able to %26#039;hide%26#039; that negative you have....a lot of people hate leasing but for you it may be best....however the fact that you tacked 1000 miles on it maybe not...but if you can...i advice to get out of it if they want you to. find some sucker to buy your truck and eat the rest...

ok i had to write again, just get out of it, sure a a new car would be nice, but man toyotas are money pits..they arent worth anything when you want to get rid of it down the road. i hated seeing people in your situation, so a lot of people i would tell to find an alternative. this is your chance to get out of it free and clear...do it for real get your $$ back and your truck and run away.

What would you do in my delima regarding a new car and owing money on a trade in?

i went through the same thing with a 2002 ford truck i simply gave back the truck and the dealer gave me mine back it happens all the time, they can not hold you responsiblr foe mileage because they thought they could finance you or else they would not let you take the vehicle. make sure they give you everything back (your truck and any moneys(down payment)and the contract is void.

What would you do in my delima regarding a new car and owing money on a trade in?

Shame on you you deserve the mess your in.

About all you can do is go back to the dealer %26amp; lay the cards on the table %26amp; hope for the best.

The best would be to get your old car back.

Once you by a car unless you have a large down payment you will always owe almost as much as the car is worth.

And once you drive a car away from the dealer the car can be worth less than you paid for it.

If my car is stolen, and i financed it, does the insurance company pay off the loan AND give me the

Actually, most policies obligate the insurance company to replace the car. This would mean that you still have the loan for the outstanding balance

If my car is stolen, and i financed it, does the insurance company pay off the loan AND give me the blue book?

You insured the car, they won%26#039;t pay for both. odds are they are going to give you the reduced value of the car and your on your own for the loan.

If my car is stolen, and i financed it, does the insurance company pay off the loan AND give me the blue book?

One or the other...but not both

If my car is stolen, and i financed it, does the insurance company pay off the loan AND give me the blue book?

The above answers are correct - however, you%26#039;d need theft insurance added onto the policy.

If my car is stolen, and i financed it, does the insurance company pay off the loan AND give me the blue book?

What do you mean blue book? You mean the title? If you have full coverage maybe you will get your money maybe not read what your coverage says Good Luck with any insurance, By the way did you file police report?

If my car is stolen, and i financed it, does the insurance company pay off the loan AND give me the blue book?

Most insurance companies will pay off the loan and give you the balance if the bluebook value is more than the remaining loan balance. However, if the loan balance (lets say 5,000) is more than the bluebook value (lets say 4,000) you%26#039;re stuck with paying off the balance ($1000). Trust me, I%26#039;ve been there!

If my car is stolen, and i financed it, does the insurance company pay off the loan AND give me the blue book?

In the event that your car is totaled or stolen and you have the proper insurance, your insurance company pays what they determine to be fair market value of the vehicle. That value is determined by the over-all condition of and the miles on your vehicle at time of lose. If you have a lien on the vehicle and the balance on your loan is more than the insurance company pays you are still obligated for the difference. To avoid this there is additional coverage available called Gap Insurance. Gap Insurance pays the difference between your insurance coverage and any higher payoff to the lien holder. The opposite is also true. If your insurance pays more than the balance due on your car loan, the excess is yours. Some folks have said that it is the insurance company%26#039;s responsibility to replace the vehicle, not true. If you can find a replacement vehicle that the lien holder will accept as replacement collateral on the loan and you can purchase that same vehicle for the monies you receive from your insurance company then you can do a substitution of collateral. Hope this helps.

If my car is stolen, and i financed it, does the insurance company pay off the loan AND give me the blue book?

The insurer will pay the bank the actual cash value (ACV) of the car prior to the loss with additions (or deductions) for equipment, mileage and condition). If ACV is less than you owe then you will have to pay the difference to the bank. If it is more then you get the difference.

I got into a car accident recently and i finance my vehicle, if my car is total loss what will the b

my vehicle could be a total loss but ive been making a years worth of payments, do i loose the money or is it applied to another vehicle i purchase

I got into a car accident recently and i finance my vehicle, if my car is total loss what will the bank do????

If it%26#039;s totaled...The insurance company estimates what the cost of repairs are.....if the cost to fix is more than what the car is worth...they estimate the fair market value and pays the lienholder(bank) first. If there is any money left you get the balance....if the car is worth less that what you owe....you still end up having to pay the bank back the balance.

I got into a car accident recently and i finance my vehicle, if my car is total loss what will the bank do????

I think you wait for the total loss payment on the car too arrive from the insurance company and pay off the car with that. Not certain though.

I got into a car accident recently and i finance my vehicle, if my car is total loss what will the bank do????

The insurance company will make an estimate of what was your vehicle worth, if you owe more than what the vehicle is worth you might have to pay the bank the difference, I suggest you get GAP insurance for your next vehicle that will cover the difference between what the vehicle is worth and what you owe that way you at least break even. Good Luck!!!!

I got into a car accident recently and i finance my vehicle, if my car is total loss what will the bank do????

Unless you have some INCREDIBLE policy that gives you another 1 year old car, you are about to find out the hardship of auto accidents.

Car insurance doesn%26#039;t usually work like that. Say your car was $18,000 new and you paid $ 400./month for 12 months. You might see it as- I%26#039;m out $ 4800. and a 1 year old car.

The insurance company computes it as:

Drat!! He has a bank loan for $ x (payoff amount)

It has depreciated to a value of $ y (what they call cash value)

We%26#039;ll offer him $ z (a settlement that%26#039;s MINUS your deductable)

And he owes the difference in the payoff himself ( Ouch)

No lie, it happened to two of my friends.

I truly hope your situation ends up ALOT better.

I got into a car accident recently and i finance my vehicle, if my car is total loss what will the bank do????

Your insurance company will pay out the value of the car if you have full coverage. You will need to pay the bank from that check.

Can anyone give me advice about buying my first car?

I am an experienced driver, but i%26#039;ve never owned a car before...

How affordable is leasing or financing....

ANY advice at all will help.

Can anyone give me advice about buying my first car?

Yes.

This first thing to do is choose a vehicle. Do you want a car? minivan? truck? SUV? Then get more specific, car.. sports car or family car, economical car, flashy car, is mileage important? Price? Size? Seating? Options?

Once you have chosen your vehicle, it is important to have 3 possible choices, each similar in price, features, and reputation. To get a better price when you buy a car, you need to be a little flexible...like with colors and options. The more flexible you are the better deal you will get.

Next consult a blue book. Be carful here. Some books vary in value. The dealers use a specific blue book that is official, available at any major book store. Look up the vehicles value from this year and last year. Remember to take into account mileage, options and condition. Compare that price to the retail listing on-line or on the sticker price. This should give you an idea about the depreciation. This is important because you may want to trade this car in after a few years and it also gives you an idea about how much you should pay for that specific new car. If the blue book value is $15000 for last years exact model, and the dealer wants $20000 for a new model, you may want to reconsider.

Next contact the local dealers via e-mail or by phone. Tell them exactly what type of vehicle you are looking for and ask them for a price quote. Be sure you get specific information on the vehicle, such as the VUN number, the model, engine size, options...everything. You don%26#039;t want to be bait for car dealers. Give them a cell phone number and refuse giving in to visiting the dealer %26quot;just to talk%26quot;. Get an exact price on an a specific vehicle. Do not discuss financing. Discuss only the price. Take at least 3 quotes from 3 different vehicles from each dealer. This will have several of the same models with small variations. If you are willing to make the drive, contact dealer outside of town. You might be interested in a vehicle that is in high demand in your town, but in moderate or low demand in another. (Though you should know that most dealers prefer to only honor %26quot;warranty%26quot; related services to vehicles they have sold. They are notorious for inventing reasons why your vehicles problem is not covered in your warranty or they will take their sweet time fixing the vehicle. So keep this in mind when considering buying a vehicle outside of your city).

Next locate your financing. Apply with your dealer via fax or online. Apply at your bank and with an on-line lender. Get the best deal available to you, you deserve it.

Get all the details on the payments. Some dealers like to use 72 month financing to make payments seem lower. That is 6 years of payments to a car with warranty of 3 years (usually). Others like to add payment insurance to the payment or other add ons.

Choose the best deal. Contact the dealer via phone and re-confirm everything, the car, the price, the financing (if applicable). Set up a meeting date, and ask them to have all the paper work ready.

Show up with all your info, check stubs, licence, money, etc. If they begin to deviate at all or seem unprepareed you are best leaving ASAP.

Pay and leave happy.

Can anyone give me advice about buying my first car?

If you are planning on getting a used car, I recommend that you find a good mechanic first, then have them check out any vehicle you test drive.

Can anyone give me advice about buying my first car?

The best advice I can give is to take someone older and with experience with you. Don%26#039;t let the salesman pressure you for a decision right away. Go with a certain price in mind that you will not go over. Check for different types of financing. I really don%26#039;t care too much for leasing because then you have a perpetual car payment!!! I%26#039;d rather take care of my car and have it paid off in 4 years. Also, the extended warranty cost alot and is not worth it. Good luck!!

Can anyone give me advice about buying my first car?

Check Consumer Reports. They have articles on whether leasing or financing would be best for you. Every year they come out with a guide just for buying New and Used Cars. They rate them all on reliability and comfort. I would also look into joining a Credit Union. Not only do they have good rates on car loans for their members, they have good car sales too.

Can anyone give me advice about buying my first car?

Carpoint is a good place to do some research on new and old model vehicles and get an idea of pricing...take a mechanic with you...perferibly one your family trusts. If you are a young woman...take your father or older brother...

Can anyone give me advice about buying my first car?

leasing isnt good. its like renting long term. go with a used car. about 2-3 years old. it would still be fairly new but at a price of a used car- about 25% cheaper than a brand new car. dont be afraid to shop around. if you are a member of a credit union, do your financing with them. Their rates are lower.

Can anyone give me advice about buying my first car?

NEVER NEVER NEVER NEVER NEVER lease. Try to work with the money you have if all else fails then MABYE try to finance and if that doesnt work, you dont need a car.

Do NOT get an american car, or atleast try to avoid getting one. Honda accords, and civics last a long time, or any honda for that matter.also acura of course. Hondas are also inexpensive,go for mabye 90%26#039; to 93%26#039; accords and most model civics.go for the one that is the cheapest and least mile possibe.

happy to help

Can anyone give me advice about buying my first car?

I would try to buy instead of lease unless you trade cars often.

Also if you are buying used, be sure to make sure the car hasn%26#039;t been in a major accident (minor ones that only damage the bumper are fine) or had flood damage.

And last of all I would go to www.edmunds.com and get my research done before hand. Edmunds.com is a treasure trove of information and if used properly it can make even the most clueless car buyer feel confident when negotiating.

Car Sales?

I have been a sales person %26amp; sales manager in the Manufactured Home business since I was 18. Now I am 24 and looking to get in the car sales business. I don%26#039;t know a lot about cars, but when I started in Manufactured Home I didn%26#039;t know anything either. I won lots of awards %26amp; trips in the Manu. Home business and I consider myself a pretty good sales person. I sold the homes, secured the financing for the home as well, and helped with any service issues with the home. I was wondering from someone that has been in the car business how hard is it? Is securing financing hard for the loan hard? What are commissions like? What is base salary like? What is the more popular dealer(Ford, Chevy, Dodge, etc) to work for? Is it extremely stressful?

Thanks for any help!

Car Sales?

I just came across your question and will be happy to answer all your questions but it will take awhile so tomorrow. I have spent most of my life in the automobile business. I also knocked doors for a few years before I got involved in the car biz. I will give you all info. needed . I started in 1990 as a sales person sold cars for 4yrs and moved into management and have been in the business since. The pay scale differs from place to place but not by alot its usually 25% of the gross meaning if you own a car for 10,000 and sell it for 12k you get 500.00. The salary is usually only for the first couple of months while your learning after its commission only but you will know within 60days if its for you .The business has changed alot over the last 10yrs mostly because there is a wealth of information out there but most of it is wrong. I have always worked at an import store like Toyota of Honda you get a better customer credit wise and they are not affected by the ups amd downs of the ecomeny as much they are a little harder to close. The business is very very stressful you have long hrs and need to be tough skined in order to make it as its very cut throat.The experiance you have will defantily make it alot easier on you than most .Sales as you know is hard to handle but on average its the highst paying profession . The lending is like any thing good credit no worries but there are a ton of programs for all. The average sales person makes around 35k some around 50/60k and the top 90/100k. If your able to do well the climb to management is alot quicker these days and depending on the dealership you can expect to make 100/150k . I would proabally say to stay out of the car biz its rough and makes you age fast but I cant be to hard on it because its made me a good income for a long time but I have paid the price. I knocked doors (cold call) for three years before I got into the car world so it was easy to me from the start. Please remember if you have a good job and are just unhappy put alot of thought in this . I would be more than happy to answer any futher questions you might have.

Car Sales?

Financing usually is not that much harder than a home loan. ?The customer has to be qualified for there loan. The commissions usually are 10% or a specified amount. The bas salariaries are usually 400 per week. I found chevy dealers easier to sell. The stress level is pretty high because you are suppose to sell a cetain amount of cars.

What rights do i have if a car dealership fill out he finance papers wrong in my favor.?

I negotiated a price and will say 20k then on the finance papers it says 13k I wrote them a loan check for 13k. The purchase order says 13k and it also breaks down the price and includes everything. Today the dealer said that I need to come back and fill out another check. What can I do? I sign the title and all corresponding documents. Also the loan check will expire in 30 days from the date I received it.

What rights do i have if a car dealership fill out he finance papers wrong in my favor.?

If all the paperwork says the selling price is 13,000, and the right V.I.N. number is on the paperwork, the dealer has made the deal and you do not need to pay any more. Someone will get fired for the mistake, which is why they are pressuring you to come in and redo the deal. You paid what they said, it is their fault.

You may need to consult a lawyer, but from what you said, they sold you the car for 13,000

What rights do i have if a car dealership fill out he finance papers wrong in my favor.?

Different states have different laws. Mostly it will come down to how honest of a person you are. You negotiated a deal for $20,000.00 you should pay $20,000.00. The dealership can take you to court and it could cost ou a whole lot more than the $7000.00 difference even if you win.

Registering my Car?

I just bought a used car (person to person) and I used Capital One%26#039;s blank check to pay the seller. The seller was still paying his credit union for the car, but my blank check paid it off and his credit union is supposed to send capital one auto finance the title to the car. I%26#039;ve called Capital One well over 12 times in order to see what I have to do to register my car and nobody over there knows how it%26#039;s done. Crazy huh.? They just collect the money and don%26#039;t even know their own policies. I%26#039;ve been down to the registration office 3 times and they keep telling me that I need the title to register the car. Well capital one will keep that title until I%26#039;m done making payments on the car (about 5 years from now). So what do I do? Nobody seems to know. This is Texas By the way. Right now I don%26#039;t legally own the car. I%26#039;m paying for it and it%26#039;s insured under my name, but I still don%26#039;t own it. I%26#039;d hate to be pulled over.

Registering my Car?

It has been my experience that a lien-holder will effect their rights, so relax. You%26#039;re insured, I presume you have a signed bill of sale, so make a copy of that and keep it with you, with your insurance.The seller was supposed to and is required to inform DMV of the sale within 10 days. I%26#039;d take the plates into a field office, and request new plates, partly to disassociate myself from the history of the other driver, and partly to see what is current at the DMV.

Capital one will eventually send you a registration %26amp; title package, if the seller sent the signed off title to them.

Registering my Car?

Something smells fishy. Why did the original lien holder not provide the original owner with the Title? Even if there is still a lien against the vehicle (outstanding balance on loan), he should have a valid Title stating the car%26#039;s ownership (pending payment of the loan), When we bought our 2001 PT Cruiser from Chrysler, we were issued a Title saying that Chrysler Finance was the owner. As soon as we paid off the loan, we were issued a new %26quot;clear%26quot; Title.

I would contact the seller and ask him for the Title, since he should have it (even if it shows the car is under a lien).

Don%26#039;t worry about being pulled over; the police never ask for registration here (Texas) anyway (they usually only ask for license and proof of insurance). The best way to avoid being pulled over, is don%26#039;t disobey any laws!!

Need a car but have the most terrible credit situation imagionable?

I have had some serious problems with my credit that i am in the process of trying to fix. I was in a serious accident and lost my only transportation. I am looking to finance a really cheap little car to get myself back and forth to work. or any car i can get I just dont have money to put down.

Does anyone know anyone that finances or does auto loans for people with terrible credit situations?

im in need to find one i live in the phoenix az area.

Need a car but have the most terrible credit situation imagionable?

I dont know if you have it there but try United Finance Company.

Need a car but have the most terrible credit situation imagionable?

If you have the money buy it on cash or borrow money from your loved once.

I bought used car for long time and never owed any money on the cars. You can buy a reliable car for few thousand but maintain it and you will stay away from big expenses.

I have seen dealers how they buy a $500 car and sell it for 3000 on a note and when people cannot pay it they will repossess it. Don%26#039;t get in the con game of dealers they are heartless people.

Need a car but have the most terrible credit situation imagionable?

I don%26#039;t know if you have one there, but try carmax.

Need a car but have the most terrible credit situation imagionable?

unfortunately you will need a certain amount of money down depending on the bank or financier who will be willing to take a chance with you......the areas they focus on are;time on job,income that you can prove in the form of paystubs or something of that nature,proof of residence in the form of either,utility bill,phone bill,etc.,etc.,with your address on it and ofcourse...........cash down......for starters......you can also try a cosigner..........good luck bud...........

Need a car but have the most terrible credit situation imagionable?

You need either money or credit. If you%26#039;ve got neither, you%26#039;ve got no car. That%26#039;s how it works.

Need a car but have the most terrible credit situation imagionable?

Poor credit car loans have been specifically designed for those people who have trouble getting credit due to their credit score being too low, if your credit score is too low then you will be seen as a huge risk and as such the lender will not take a chance on you and so turn you down. You can bring your credit rating back up by doing certain%26lt;!--things but it does take a long time and if you want your car now then applying for a poor credit car loan could be your only or best option.Just as with any other type of loan if you go to a specialist then you will get the best deal. You may get the car loan you want from here,

http://best-loans.awardspace.com/guarant...

When applying for a poor credit car loan you have to realise that you are never going to get the very lowest of interest rates that others have the luxury of securing but if you go with a specialist they will be able to get you the lowest among loans associated with a poor credit rating. Along with getting you the cheapest possible poor credit car loan the specialist--%26gt;website will also be able to offer you the best advice. However unless you know something about car loans and in particular what to look for when it comes to getting a poor credit car loan then you could end up paying way over the odds for the privilege of getting the loan.

Need a car but have the most terrible credit situation imagionable?

go to

www.leasetrader.com

people trying to lease their leases don%26#039;t really care about credit.

but idk how you can buy a car with bad credit. You%26#039;ll just have to save and pay up front i guess.

Need a car but have the most terrible credit situation imagionable?

The thing about wanting something for nothing is...everyone wants something for nothing. Makes for slim pickins.....

Good luck

Anyone know a good car place that does 0% finance?

A 0% APR would come from the manufacturer. This depends on the specific make, model, and year of the vehicle. In addition, the 0% term can vary, so someone might advertise 0%, however it might only be for 36mo.

Take a look at edmunds.com or MSN auto. They will list the current incentives including any special financing available. Good luck.

Anyone know a good car place that does 0% finance?

THERE ARE MANY MANUFACTURERS THAT OFFER 0% PERCENT FINANCE BUT IT WILL DEPEND ON YOUR CREDIT HISTORY.

GOOGLE IT AND GOOD LUCK.

Anyone know a good car place that does 0% finance?

the new vauxhall corsa is 20% deposit and then 0% at your vauxhall dealer or if its an older car you are after you will have to hunt around as it is very rare for a second hand dealer to offer 0% as they make a lot of commission in shafting you with the highest rate they can get away with

What can I do if my car was stolen but it's still financed and I don't have insurance???

My brother and I bought a car together a few years ago. I%26#039;m making the payments and he%26#039;s been driving it... until yesterday when it was stolen. He does not have insurance. What can I do...??? Any suggestions? There are still over $4500 in payments to be made... that%26#039;s twice what the car is worth anyway but to pay that for a car we don%26#039;t even have anymore is making me sick just thinking about it.

ARGH! Brothers...

What can I do if my car was stolen but it%26#039;s still financed and I don%26#039;t have insurance???

guess that%26#039;s why it should have been insured! you still have to pay

What can I do if my car was stolen but it%26#039;s still financed and I don%26#039;t have insurance???

Well it all depends.. if it%26#039;s your brother that has your car. Technically there is nothing you can do since the car under both of your names. Legally he is also entitled to the car. You can try calling the cops and giving them the plate number if not .. sorry to say but you just lost yourself a car. get a new one. What you can also do is remove your name from the finance contract. Something called change of responsiblity. Once he doesn%26#039;t make the payment they will take away the car from him.

What can I do if my car was stolen but it%26#039;s still financed and I don%26#039;t have insurance???

That%26#039;ll teach ya not to have insurance. Now you have to pay for a car that you%26#039;ll never drive. Tough

What can I do if my car was stolen but it%26#039;s still financed and I don%26#039;t have insurance???

Not a thing in the world you can do about it but pay the payments and beat the crap out of your brother for letting the insurance drop!

He screwed up big time! And you are in the middle of it cause you helped him out. Family can be a blessing or it can be a curse, right now I bet you are cursing a lot at your family member!

The finance company does not care about the mess you are in. They just care about the promise you made to them when they paid off the car and let you pay them in installments. They held up their end of the bargain and they will expect you to hold up your end no matter what your circumstances are.

The only thing you can do is file for bankruptcy for both yourself and your brother, and if it is only this one thing against you that won%26#039;t be granted to you either.

Tell your brother to get out there and find the car. That is the only thing I can think of to do that will help you out any. anything else I can think of is illegal to do, so you don%26#039;t need that kind of advice from anybody!

What can I do if my car was stolen but it%26#039;s still financed and I don%26#039;t have insurance???

you don%26#039;t have any choice - you%26#039;re liable for the payments. insurance on the car is a completely separate matter and nothing to do with the repayments for it. sorry! but smack your bro for not insuring the car ...

What can I do if my car was stolen but it%26#039;s still financed and I don%26#039;t have insurance???

File a police report, hope the car is found (driveable), make the payments on time and insure your next car.

What can I do if my car was stolen but it%26#039;s still financed and I don%26#039;t have insurance???

Obviously you need to file a stolen car report on it, and hope it is recovered. As to what you can do it they don%26#039;t find it, nothing. If you read the contract you signed when you financed it, I%26#039;d bet you a dollar%26#039;s worth of nickles there is a clause in there that you are required to keep insurance on it and name the finance company as a payee in case of loss. If you didn%26#039;t, and they find that out, they can call in the loan and you will have to pay the entire balance or give them the car and pay any left over balance after they sell it. And of course, you can%26#039;t do that. Keep making the payments until the balance reaches zero, and chalk it up to experience.

What can I do if my car was stolen but it%26#039;s still financed and I don%26#039;t have insurance???

It figures everyone would just rub in the fact that you didn閳ユ獩 have insurance, instead of offering helpful advice. The best thing for you to do would be to continue to make your scheduled payments to protect your credit rating. Then go steal a nice Mercedes or Lexus for yourself, and forget this whole mess ever happened.

What can I do if my car was stolen but it%26#039;s still financed and I don%26#039;t have insurance???

Steal someone elses car...Everyone is doing nowadays....bastards who steal cars are freaking drags of society...

1) File a police report ASAP!...longer it goes unreported, the more times those fukkers who stole your car can get away with it.

2)Keep makin payments on ur financed car, or rework the contract with the dealer and tag the remainding owed amount to another car and make payments for the old car and the new car at a better APR at the same time.

3) Scold your bro for not having insurance, force him to help you with the payments, and move on. Having your car stolen sucks and i know alot of stress occurs, but think positively and start draftin a plan for the next couple of weeks about what your going to do.

I owe $3000 on a car my ex has possesses and I want to get a new car. Can the dealer payoff this amo

There is no way that I can gain possession of the car and she is not making any portion of the payments. The car loan is in my name and I%26#039;ve been debating on getting a new car, but don%26#039;t want 2 car payments. I am curious if anyone knows, can the dealer add the remainder of the current loan payoff to the finance amount of a new car for me? This would allow me to get a new car and maintain 1 payment that is slightly larger, but more manageable. I don%26#039;t have the car available to me to trade. Any information provided would be wonderful! Thanks in advance.

I owe $3000 on a car my ex has possesses and I want to get a new car. Can the dealer payoff this amount?

I assume your question is can you get another loan while still owing $ 3K , yes you can if lender will let you roll negative factor into your new purchase, which means you will most likely be up- side down for a long time to come.

I owe $3000 on a car my ex has possesses and I want to get a new car. Can the dealer payoff this amount?

stop paying for the car if she won%26#039;t give it back to you....... easy enough. or if you%26#039;re the lien holder report the car stolen or hire a repossesser to take the car back for you...... you%26#039;re being way too nice about this........

I think it is good advice because it is not his car.... why should you pay 3 grand on a car you can%26#039;t even drive..... keeping your money is more important than your credit score........

I owe $3000 on a car my ex has possesses and I want to get a new car. Can the dealer payoff this amount?

Without the car, you can%26#039;t do it. They won%26#039;t pay off something they dont%26#039; have. You need to take your name off her car asap. Make her pay for it, get it in her name, do the payments, ect. That clears your name, credit to purchase another car. Also, if she defaults on it, you won%26#039;t lose your new one and that one. If she isn%26#039;t making the payments, she doesn%26#039;t own the car, you do. Its your neck on the line, not hers. Before you put yourself further into debt, take care of the title and get your name off it. Sell it, gift it, I don%26#039;t care, but you can%26#039;t do it dude, not going to happen.

I owe $3000 on a car my ex has possesses and I want to get a new car. Can the dealer payoff this amount?

this sounds like a bad deal. if you are going to go this rout i would try to pay this car off before you take out another loan. if the car is in just your name you can call the police. if it%26#039;s in both of your names you have other issues. if she causes an accident you can be held responsible. whatever you do i would get your name off the car. or get it back. also if your name is on the title you can legally take it without her permission. i would like to know why you say you can%26#039;t gain possession. good luck

I owe $3000 on a car my ex has possesses and I want to get a new car. Can the dealer payoff this amount?

I agree with Ray...If you are buying a vehicle that will book for enough money, the bank will likely allow that, or if your credit is extremely good, they will allow it.

DO NOT stop paying for it!!! I don%26#039;t know why somebody would think that is good advice. All that will do is ruin your credit...

I owe $3000 on a car my ex has possesses and I want to get a new car. Can the dealer payoff this amount?

I doubt seriously that any reputable dealer would let you roll a car payment on a vehicle you have no control over into a new loan. I%26#039;m guessing you lost the car in a divorce, and are responsible for the payments.

If you only have this loan, and are gainfully employed, you can get another loan. Having two car payments isn%26#039;t the end of the world. Remember, if the old loan is rolled into a new loan, you will be paying interest for the period of the new loan, which is probably a lot longer than the remaining term on the existing loan.

I bought a new car last year, should I trade it in for another new car?

I bought a 2006 Chevy Cobalt last year during the summer. I got a great deal on it, and zero percentage financing for six years.

I love the car itself, but I am not content with the color, which is yellow. The trade in value

is about $10,000 and I owe about $12000.

So I would obviously take a hit. How common is it for people to trade in a car after the first year of ownership?

I bought a new car last year, should I trade it in for another new car?

alot of people do that when they have the extra cash

you should go for it, just make sure you pick out the right color this time

I bought a new car last year, should I trade it in for another new car?

I really don%26#039;t see the problem in painting a new car. It is cheaper than trading it in for another. Report It

I bought a new car last year, should I trade it in for another new car?

Pretty common. trade it for another car that is about a yr old also. The depreciation will have gone down on the car so your payment should be close to what you have now.

I bought a new car last year, should I trade it in for another new car?

It%26#039;s very common. Every year they keep making our cars better and better. That%26#039;s how they get us into continuing to buy cars. If you have they money, go ahead and get the car. If you don%26#039;t have the money, try to get someone to take over your payment.

I bought a new car last year, should I trade it in for another new car?

How common is it after a year? That%26#039;s what stupid people do.

A fool and his money are soon parted.

I bought a new car last year, should I trade it in for another new car?

yes

I bought a new car last year, should I trade it in for another new car?

sure if you like throwing money down the drain, why don%26#039;t you just get the car painted the color you like ? heck of a lot cheaper than buying another one because of the color. You already took a hit buying a new car, as soon as it rolls out of the dealer you lost money on it. next car look for a used car in good condition, put your extra money in the bank.

I bought a new car last year, should I trade it in for another new car?

. The AirForce site says: %26quot;...When should you start thinking about buying a new car?

For many people, that decision is coming later and later. Drivers are keeping their cars much longer these days -- eight to 10 years on average, according to AAA. %26quot;

.......... If you have the $$ and think it%26#039;s worth $2000 to change car colors, go for it. Plus as soon as you buy a %26#039;new%26#039; car, it%26#039;s used and losses about 20% of it%26#039;s value that first day. oh well.

I bought a new car last year, should I trade it in for another new car?

It%26#039;s very common in America for people to owe more than their car is worth. It%26#039;s called being upside down in the loan.

You probably won%26#039;t get what kelly blue book states is the trade in value because the dealer will want to put the screws to you. They%26#039;ll find something wrong with it so it won%26#039;t classify as excellent. You owe 12 on it they will probably give you 9 or less for trade in and the new car will be 14 so you%26#039;ll leave owing 17 on a car worth 12 after you drive it off the lot.

You didn%26#039;t get a good deal with 0% financing because they rolled the financing into the price of the car.

Does anyone ever leave a car dealership with the rebate cash in hand?

Over the years I have bought new cars that had rebates attached. Usually getting the financing meant applying the rebate to the downpayment. This time, I came in with financing already arranged and the dealer still went to great lengths to get me to apply the rebate to the car rather than give me the money. They claimed that the financing I was getting was contingent on my exhausting all possibilities to obtain the lowest price possible. That made me wonder if anyone ever walks out with the cash.

Does anyone ever leave a car dealership with the rebate cash in hand?

On the last truck i bought which was in 2006 they said they would take it off the truck. Or the company would mail me the rebate which would take 4 to 6 weeks. That was gmc.

My mate has had his car stolen it is on finance where does he stand?

hopefully he has insurance that covers it being stolen, most lenders require such coverage. if he has coverage he is only responsible for the deductible assuming it is isn%26#039;t recovered within 30 days (most companies in the US). If he doesn%26#039;t have coverage or it has lapsed due to nonpayment or such he is responsible for paying the finance company even without the car.