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terrence s asked:


After the deal fell through on my four wheeler deal to get 6,000.00 for the down payment on the used corvette, is it possible that the bank can take a clear title on something else to help secure the deal and maybe I pay the tax title and license to seal the deal.

Christina asked:


I am 24, live in so california and I NEED A CAR. I have really bad credit, Im pretty sure its in the VeRy low 500s, I bought my last car in cash FOR 7,000 from a family member (crashed it in Dec). I work about 30 hours a week as a medical Admin assistant and Im in school. I dont own a home, I rent from a family member… but I have been at my same job for about two years now… I want to get a used car for about 9,000 to 12,000, prob an 2006 model… how can I get a loan?? Ive put in one application to a car dealership online and was denied, I’ve been hesitant to apply again until I have a better idea on Where or with what kind of co to apply with… Help! please, I really appreciate any advice! Should i try for a loan with one of those ‘bad credit auto loan’ website? if so which one? and would they lend for a 2006 model? Should I just find a car I want at used car lot and apply with them? (I got approved a couple years ago for 9,000 after putting 6,000 down but my credits got much worse since then and I definatly dont have 6,000 cash right now… maybe 2 at the most). Advice please!!!! THANKS SO MUCH! :):)

kendoll115 asked:


of getting a loan? I had a rough time with credit up until this year. My credit rating has been going up. its currently 558. i know thats low, i know ill pay higher interest rate but for now its fine cuz i make almost 60k a year now. Ive pretty much erased all of my debt. like i said, im doing MUCH better now. SO….Will i be able to get financed for 25k. i want a new 4door jeep wrangler. Where will i be able to get this loan..credit union? jeep dealership?online? and will a bigger down payment make it easier to get approved? also, is there anything else i can do to help get approved? I make almost 4k cash a month and my bills are only 1500 so i have some room to work with.
also i have a 2001 sunfire i can get around 2k in trade in value. so with everything, what is my best play for this car?

Perry asked:


I know that a car’s trade in value has as much to do with negotiating than the car’s so called book value and things like big repairs and even minor accidents, even if they’ve been repaired, can make a difference if they show up on a CarFax, But does whether I paid cash or if financed the car I want to trade when I bought it new actually make a difference as far as its trade in value goes?
I’m asking because dealers always ask if there’s a loan and so do some independent appraisers. Dealers always say the just want to know so when they make me an offer they know how much they need to pay off instead of putting it toward the new car. I know they do this to jumble all the numbers together to make it harder to tell exactly what price they want for the new car and how much they want to give in trade and I always tell them no and make sure we’ve negotiated the price for the new car before even telling them I have a trade in the first place, but does the bank lien actually matter when it comes to how much the trade in is worth? Would it be different if I just paid off the loan before going to the dealer?

The only reason I ask is because an online appraisal service that’s not affiliated with any dealer also asks if there’s a loan or not before giving an estimated trade in value. I know the dealer would just as soon have the title immediately so it can sell the car right away without having to pay off the loan and wait for the title to come, but do they really look at this as something that impacts the car value?

Thanks for any help anybody who knows first hand can give.