buying a car

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Dirt E. Needlez

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#1
Apr 11, 2008
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#1
I just repaired my credit and went to buy a car, I was originally approved at 16%, was about to walk off and they offered 10.99% I still walked...

A few people said 10% ain't bad for someone with my credit...basically I have none and finished repairing it...I went from 420 to 660
And the car was on 09 civic for 14k with 20k on the odometer...
I was gonna drop 2500 down and finance the rest....the bank declined my loan for 25k (I wanted a '12 civic si for 22)


Should I take it?
 
Ethereal

Ethereal

Sicc OG
#6
Mar 18, 2003
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#6
LouthePizzaGuy said:
No. It's a Honda. You might as well put your balls in your girl's purse and call it a lifetime.
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Do you really believe that? Don't get me wrong, I won't be buying a Honda any time soon (I like trucks), but if you're smart the first thing you'll look at when buying a car is the engine, then how it looks. For a gas engine it doesn't get a whole lot better than something like a Honda Civic. The longevity + gas mileage is outstanding. Outside of the realm of luxury cars, that'd be the first vehicle I look at it.

Just make sure you dump a couple-hundred into a security system cause them bitches fly out of driveways.
 
NAMO

NAMO

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#9
Apr 11, 2009
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#9
Dirt E. Needlez said:
I just repaired my credit and went to buy a car, I was originally approved at 16%, was about to walk off and they offered 10.99% I still walked...

A few people said 10% ain't bad for someone with my credit...basically I have none and finished repairing it...I went from 420 to 660
And the car was on 09 civic for 14k with 20k on the odometer...
I was gonna drop 2500 down and finance the rest....the bank declined my loan for 25k (I wanted a '12 civic si for 22)


Should I take it?
Click to expand...
if the car you got now is reliable, then keep it.
 
Rumpelstiltskin

Rumpelstiltskin

Sicc OG
#11
May 6, 2002
7,218
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#11
11% ?
Hell no.

I wouldn't pay more than 6%
Then again, I wouldn't really finance a car.

Lease it or buy it out right.

660 doesnt seem bad, but really people aren't going to give you much of a chance these days unless you're 720+
 
Ike Turner

Ike Turner

CDCR_#k775281
#12
Jul 17, 2011
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South San Jose
#12
Dirt E. Needlez said:
I was originally approved at 16%, was about to walk off and they offered 10.99% I still walked...

A few people said 10% ain't bad for someone with my credit...basically I have none and finished repairing it...I went from 420 to 660
And the car was on 09 civic for 14k with 20k on the odometer...
I was gonna drop 2500 down and finance the rest....the bank declined my loan for 25k (I wanted a '12 civic si for 22)


Should I take it?
Click to expand...
i barely passed algebra 1, so you lost me. my advice would be to sell the rice rocket, and get something more dependable. and american made.i got this sitting out back. give it to you for $1,800
 
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Dirt E. Needlez

Sicc OG
#13
Apr 11, 2008
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#13
Sorry homie I done had more oldschools than fingers and I'm not looking for something like that, I'm sure someone will buy that for 1800 and throw some 3800 rims on it...lol

Civics have always been reliable as fuck and good on gas...14k for a 09 civic with 20k miles doesn't seem too bad...I wanted a black on black civic si but they start at like 21k, the 09 was my second choice...

Being a first time buyer with no cosigner and no real credit (I have one cc and cleared off my entire report)
Thought I would check and see what y'all think, I'm pickin the car up at a dealership in Colma
 
JLMACN

JLMACN

JLMACN
#14
Aug 26, 2002
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#14
10.99% aint horrible....considering your credit. My uncle just bought a '12 something (don't remember) and they got him for 23.00% (FUCK THAT WITH A BIG DICK) I tried not to look shocked when he told me.....

fuck going through the car dealership for financing. Try a credit union (local) or a small local bank......lot's of times they will work with you.
 
LouthePizzaGuy

LouthePizzaGuy

Sicc OG
#16
Apr 27, 2011
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#16
Ethereal said:
Do you really believe that? Don't get me wrong, I won't be buying a Honda any time soon (I like trucks), but if you're smart the first thing you'll look at when buying a car is the engine, then how it looks. For a gas engine it doesn't get a whole lot better than something like a Honda Civic. The longevity + gas mileage is outstanding. Outside of the realm of luxury cars, that'd be the first vehicle I look at it.

Just make sure you dump a couple-hundred into a security system cause them bitches fly out of driveways.
Click to expand...
Yes, I seriously believe that. You might as well adopt a vaginal lifestyle and give up your manhood for eternity.
 
$ileNt_eNe_ATL

$ileNt_eNe_ATL

Jefe De Los Pollos
#17
Aug 12, 2005
2,593
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#17
I wouldn't do it .... fuck paying interest... I deal nothing but cash, if i can't afford to pay for it up front then i don't buy it at all.(unless were talking mortgage) cars are a bad investment to begin with .. they depreciate in value too quick.
 
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Dirt E. Needlez

Sicc OG
#20
Apr 11, 2008
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#20
If they gave the prius a makeover and made it so it doesn't look like a fuckin cheese wedge id buy one....

I hit up SF honda and they offered 9% for a 2012 Civic LX with the same down payment, car would come out to about 19k

They had a 08 Civic SI leather interior with navi for 19k, woulda came out to $388 a month for 5 year and finance wasn't budging for that car, plus insurance would have been expensive as fuck, and apparently for the Si they recommend premium gas cause of the vtech engine...and they didn't have the 4door,just the 2 door coupe....and ill need a 4 door especially with kids....
 
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