HEY everybody, look at the NEW guy!

[Swifty1638]

thanks all..I hope to get my dsm soon enough..in good condition anyways. How would you guys go about getting a loan fron the bank? We will say that I have no credit. I mean, I pay my celly bills, but that's nothing. I refuse to get a credit card, and frankly, I don't know how else I could get one. I tried a while ago to get 10 grand, but nope..not happening. Oh, I'd also prolly say that I don't have a co-signer either. I know for a fact, i can pay the bill..I mean, I don't have too much to pay for, so it would be easy!

-A. Swift

[JET]

Welcome!

I have a pretty solid DSM if you are looking. I think a ring just went though. Has a low mileage head on it. No rust. Hit me up with a PM if you want to know more.

You can put HID's in the 92-94's.

[Halon]

I got an 8k loan from my credit union with ZERO credit from my credit union. I just had to have atleast a 10% down payment. Why do you refuse to get a credit card? It's a nice way to build up your credit if you use it responsibly. Just put a couple tanks of gas on it a month, and pay it off at the end of the month. If you're looking for someone to co-sign you on here, I don't think it's going to happen. Plus you can find 1g's for cheap enough that you probably wouldn't even need a loan. and Welcome!!

[Swifty1638]

no no no..not at all. I don't want anyone to co-sign for me, as that also rates on their credit. I just wanna know how I can get a loan. Frankly, after a few problems, I basically have no money..atleast not enough to buy a car with..I'd love to trade someone for my car, and there is already one guy I am meeting up with tomorrow to discuss that option, but without extra cash to also give away, I really dunno how well I am gonna be..

-A. Swift

-A. Swift

[john]

I am the one who kind of directed you here from xrated. Welcome.

[john]

[QUOTE=me612]Just put a couple tanks of gas on it a month, and pay it off at the end of the month. QUOTE]


That is exactly what I do. I started last year and I already have good credit. Just make the payments ON TIME.

[Swifty1638]

Well, I should start then..what credit card do ya'll have? Good rates? That still doesn't help me in the immediate need for cash though..

-A. Swift

[Halon]

I have a Visa through my bank. Have you even tried applying for a loan yet? Like I said, through my credit union, they approved me for 8k as long as I had 10% down. Go to your bank that you've been with, and see if they'll approve you as long as you have a down payment.

[Swifty1638]

well, i got a visa debit card, but it doesn't work like the credit cards. I recently applied for a 10 grand loan..no suck luck. I wonder what all i could get a loan for. I'd hope they'd wanna go cheaper? I am sure that for a 92 tsi, there is no auto loan, so i'd hafta call it a personal loan..

-A. Swift

[john]

I doubt that anyone is going to give you a loan to buy a 10+ year old car. Most people can afford them and they are not that great for collateral reasons as they tend to break easier than a new car. They are a higher risk to the loaner.

I started with the "college Visa" at wells fargo. ~1000 limit, ~13% (starting somehow). The limit is now $1500. I have a capital One platinum car (2k limit, 12.9 fixed APR), and I have a BBY card with a $600 limit. I get the damn things in the mail all the time now.