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Started By
Message
re: 23% interest on car loan
Posted on 8/6/14 at 1:15 pm to goldennugget
Posted on 8/6/14 at 1:15 pm to goldennugget
70k in Broadcasting in Iowa???
1
Posted on 8/6/14 at 1:15 pm to Veritas
quote:he said he works a second job
70k in Broadcasting in Iowa???
Posted on 8/6/14 at 1:16 pm to goldennugget
quote:
if I was going to lie
quote:
barely clear $5k after taxes
You're still doing it.
Posted on 8/6/14 at 1:17 pm to BearCrocs
May have filed for bankruptcy within the last 7 years. You'll get credit, just horrible interest rates.
Posted on 8/6/14 at 1:18 pm to baytiger
I was about to say
Posted on 8/6/14 at 1:18 pm to goldennugget
quote:
I live as if I am a broke arse pinching pennies while other people my age blow their paychecks on alcohol, clubs, titty bars, video games,
is your life even worth living, brah
Posted on 8/6/14 at 1:21 pm to goldennugget
quote:
Grocery/Food: $300
FATTY!!!!!!!
Posted on 8/6/14 at 1:26 pm to dukke v
That's retarded. One decent meal outside the house burns 10% of that budget. Assuming 3 meals per day, there are roughly 90 meals a month. In other words a $30 meal uses 9 meals worth of money.
Posted on 8/6/14 at 1:30 pm to dukke v
quote:
FATTY!!!!!!!
Included in that budget is household items like paper towels, cleaning products, toothpaste, mouthwash, etc. Not all for food
I have gone over the past 2 months though
Posted on 8/6/14 at 1:36 pm to goldennugget
quote:
I live as if I am a broke arse pinching pennies while other people my age blow their paychecks on alcohol, clubs, titty bars, video games, and other worthless shite
To be fair...most people have interests and hobbies outside of starting fricking horrible threads on TD.
Posted on 8/6/14 at 1:45 pm to brgfather129
How much do you spend on TP? or do you sheist it from work?
Posted on 8/6/14 at 1:48 pm to Hawkeye95
Jesus. I just bought a 2014 GMC z71 fully loaded with 20k miles. Financed 35k with 4.9 interest my payments are around 560 a month. I only made around 22k last year cause I was fresh out of college. My credit is a 774 though and I had no prior debt
Posted on 8/6/14 at 2:12 pm to BearCrocs
quote:
how bad of credit do you have to have ?!
To answer your question, you have to have awful credit.
Your friend is likely low to below 500's.
Those expert posters stating 'he just walked in and told them a payment he wanted', y'all are as full of shite as nugget-boy.
These loans are regulated, dealers are not allowed to mark up the 'buy rate' from the bank more than a point or two.
Your friend wanted a vehicle and got one, despite a propensity to stiff folks who lend him money.
He's lucky they didn't call the po-lice once they saw his credit!!
Posted on 8/6/14 at 2:15 pm to willythedemon11
quote:
These loans are regulated, dealers are not allowed to mark up the 'buy rate' from the bank more than a point or two.
Who said a bank is involved in financing?
Posted on 8/6/14 at 2:17 pm to deltaland
quote:not for long
Financed 35k with 4.9 interest my payments are around 560 a month. I only made around 22k last year cause I was fresh out of college. My credit is a 774 though
Posted on 8/6/14 at 2:18 pm to GeauxColonels
goldenugget = the guy who makes 70k a year, yet works 90 hours a week and can manage to post 438393 times per day.
Typical OT Superstar
Posted on 8/6/14 at 2:25 pm to GeauxColonels
quote:
Who said a bank is involved in financing
It's an educated assumption based on the fact he's buying a 17k vehicle on an extended term.
Most 'Buy-here Pay-here' Cockroach huts that do in house financing won't lend that large of an amount for that long of a term.
But yes , to satisfy your need to be correct it is possible that the private dealer is the one financing the loan themselves and thus receiving the full 23% rate.
They'd also be assuming 100% of the risk too, so I don't envy them too much for that.
Posted on 8/6/14 at 2:29 pm to willythedemon11
Whoaa tell him to get some dave Ramsey in his life. Ramsey is a little extreme but he has good ideas and is knowledgable about money
Posted on 8/6/14 at 2:31 pm to I Love Bama
I am a loan officer and I recently refinanced a lady with a 30% interest vehicle loan.
This post was edited on 8/6/14 at 2:32 pm
Posted on 8/6/14 at 2:31 pm to goldennugget
quote:All the time you are spending trying to get ahead will be erased if you have a medical emergency. Hope your appendix doesn't need to come out
No health insurance
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