Stupid BullShit technicalities!!!!

[Raz_Kaz]

Well I finally had time to book an apoitment with the bank in regards to a loan I want. Everything works out great. I get the desired amount of 10 000$ so I can finally get my car.

Then the bitch mutters it...co-signer. I ask why she needs one. Plain and simple it's because of my age. So what if I have been working in the same place for over a year and a half making more then enough to get that loan. Unfortunate for me I can't get that loan without a co-signer. I go to my parents for that and what do I get? You've been able to manage for yourself since you were 12, why come to us now?

WHAAAAAAAAT!?!?!

So now I asked my brother to see if he can co-sign it for me. But fuck I only get 2 weeks off until my summer term and I won't be able to book any more time off to actually get the car.


God I'm so pissed right now......hbdafkad kdfas kdfbb la lbsdbl !!!!!!11

[jcsaleen]

That *Bleep* Sucks!!!

[sivic02]

Sorry to hear that man, Ive dealt with the same thing before it sucks. You could always rob the bank.

[Raz_Kaz]

Good news. Got a friend who works for the bank I'm with. Turns out I was pre-aprooved for a credit card with 9 500$, interest rate of 8.15% and only a 25$ annual fee. I'm just going to go with this instead.


When theres a will, theres a way

[travis712]

Wow, fortunate change of events. Glad to see you got something close to what you wanted..

BTW, what car you getting?

[Raz_Kaz]

2nd gen eagle talon tsi awd.





Hopefully things will work out before I get back to school

[RickwithaTbird]

Good ol Will. Good thing he works at the bank.

I got a somewhat (but not really) related story. When I was applying for a car loan, I asked repeatedly if it was possible to get a personal loan to buy a car, and they were like.. "Well it depends on how old the car is, and blah blah blah" and diverting my question to answers about a CAR loan. I ened up not even trying to finance with them because they werent answering my questions, and then a month later I get a letter from them saying that they are sorry to inform me they had to decline my credit request. Dumb asses. I didnt even try to get their credit since they were so difficult.

[Raz_Kaz]

LOL, yea...I could have went with a student loan which requires no co-signer, but my limit would be a sorry 1500$. Now I wait 7-10 buisness days for the card, then it's off to vuy me a car.

[dugie6551]

sorry and glad things got worked out for you.

I had a similar situation when I bought my first truck. Finance company wanted a co-signer ... but I tripled my "down payment" to eliminate the co-signer.

Oh yeah ...





... I had to !!!!

[fredjacksonsan]

Sounds usual Raz, you probably don't have enough credit history for the bank to be happy about it. Just be sure to make regular payments on the credit card for a couple years (on time or early, or you're screwing yourself!) and you won't have that problem again.

[sivic02]

Just keep in mind that if you use the full $9500 on the car that will put you paying about $775 a month just in interest, thats not including paying off the balance on the card. If you could wait another year and save that 775 a month then you would have $9300 cash to put on a car, no money going down the drain for interest or fees.

[fredjacksonsan]

dude, check your math. It's $775 interest per year, so about $64 a month. With that credit card the payment will be in the $300 range per month.

[sivic02]

Gotcha, I just assumed it was per month like my credit cards that screwed me over before...damn interest rates...

Hey raz get me one of those cards while your at it!

[Cyprus106]

my GOD.... you paid 8 a MONTH?! rofl... dawg, you got SUCKERED. Wait... I better check my intrest rates...

That's what I'm doing. I'm trying to get a business loan, which are almost impossible. Which is bullshit. So then if I can't get that, I gotta get a PERSONAL loan to USE for my business, then if I can't get ENOUGH, i gotta get a credit card, like you. and if i can't get ANY, I gotta get credit card with a higher limit, which is a pain in the ASS. *Sigh* why WOULDNT a company wanna throw tons of money at you and hope you pay it back!?

[Raz_Kaz]

I already have a student credit card, been about a year now. Made all payments on time everytime. The car itself is going for 8 000, 7 500 if I polish up on my negotioating skills. So that's giving me an extra 1 500-2 000$ to spend on the car for whatever I choose.