Currently I hvae a debt to income ration of 30 percent. I know that banks do not want your percent to be above 35. If I try to get a car loan where my payment would be 100 dollars, that would put me at 37 percent. Would they still do the loan or would i just be wasting my time? Also, Is there any bank that I would actually have a chance with?\nBy the way, I do have a really good credit score.
129208
It depends on what kind of debt you already have.  If it's student loan debt, banks tend to allow for that, since it's an investment in you.\n\nSince you have a good credit score anyway, there's no harm in asking for the loan.  What's the worst they can say?  Other than "no", they might want a point or two more on interest - that might be the rub.
217344
If you have a bank account-depending how long you've had it and if you have a job(employment) go to the same bank and apply for the loan.  Since this is a small amount and you can afford payments of approx 100. per month--maybe less but only the Loan Officer at your bank can tell you-that is your best bet to get the loan and  you're also establishing good solid credit by paying off a bank loan. Whatever you do-do not get the loan from anyone where you'll have a high finance charge.  Talk to your bank and even if for some reason they can't they can advise if you can get loan and what to avoid doing--if you've applied bring proof and show to bank officer, bring all paperwork that shows you're here legally.  Good Luck
646967
Get a co-signer with a good credit score. If that isn't possible use a company like American Finance or something equal to that, they are usually loan only businesses and not banks. Most of them make their money from 3rd party loans like when your local furniture stores says "No money down no payments until 2007" it is done through these little loan only businesses. Your interest rate may be close to 20% but you are more likely to get a loan if you can prove your income and their requirements on credit scores are much lower. Another long term alternative is to take out a small loan with a bank, not use the money and pay it back over 2 or 3 payments (months). Yet another option is to join a local credit union; credit unions give loans easier and if you have a co-signer who belongs to the same credit union there shouldn't be a problem. Remember most credit unions do not report anything to the Credit Companies unless you default or stop paying so being in good standing with your local credit union won't help your credit score. You can also offer to have the payments directly taken from your paycheck... this is sometimes very helpful if you have been at the same job over a long period.
469687
ask someone to cosign for you OR  try buying a Ford, they have super liberal loan terms.  they need the business so bad right now that they are lending people with credit scores less than 500 (albeit higher interest costs)....good luck
169086
You gotta pay 8.5% up front to get a loan?  And probably a high interest rate on top of that!  Are you crazy to even be thinging of doing that?\n\nThere has to be someone who will loan you money for less than that.  Keep looking!
488308
More like 200-250pts.\n\nOne of the major components of credit score is % revolving debt carried.\nIf you make minimum payment I assume your debt is maxed out at your credit limit(s). This means you are carrying 100% revolving debt. You don't want to go anywhere near your credit limit - anytime your revolving debt goes above 33% of limit, your score falls, and if it goes above 50% and 66% your score nosedives.\nStrangely this is relative to % of credit limit, regardless of whether your credit limit is $500 or $50,000.\n\nLoan consolidation might help (lower your interest rate).\nThe most important thing is paying the debt off and reducing the rate of interest.
585795
Machelle,\n\nI don't want you to take this the wrong way, but honey, you need to slow your roll.\n\nWatch your actions, they become habit.\nWatch your habits, they become character.\nWatch your character, it becomes destiny.\n\nYou filed for bankruptcy for a reason.  \n\nStop living beyond your means.  You didn't luck up on a car where you owe $10,000 MORE than the trade in value.  $567 a month is rent on a one-bedroom aparment in the South!\n\nThere is nothing shameful about leaving below your means.\n\nRefinancing is not an option in your situation.  You are upside down.  Why would a finance company want to pay your loan off at $23,500 when the value of the car is $10,000 less than the loan?  The collateral is inadequate.\n\nIf you don't pay the refinancer, they have a net loss of $10,000 when they repossess your car from your work place parking lot..\n\nI think you need to return the car to the dealer, take the hit on your credit report, and start riding the bus.  I can NOT believe that you filed for bankruptcy and thought it was cool to pay $567 for a gas-guzzling SUV after you discharged your debts..\n\nYou got the bruise, but didn't learn the lesson.\n\nYour credit is an extension of your character and it is time that you take inventory of your character.\n\nYou are NOT your car.  Who are you flossing for?\n\nGet a used Honda hooptie and make life easier for yourself.
306296
It is true, but you have to meet certain income levels.  If you don't measure up, they will offer you less.  They don't charge you interest, they charge a flat fee.  If you chose not to repay the loan on your next pay peroid, they will charge the flat fee over and over again until you tell them to repay the loan plus the flat fee.  If you can, find a better way.
469033
Most car loans that you get at the dealership are almost entirely score driven.  They don't care if you have defaulted on every loan you've ever had, as long as your score is high enough!  Okay so I am exagerating, but they are pretty big on score and very little else.\n\nIf you are at 670, that's very good.  Clearly what ever problems you've had are behind you.\n\nSadly good rates are getting hard to come by.  You may be looking at higher than 6% unless you can get some kind of dealer special.  Whatever rate they offer you tell them you want to think about it and talk to your bank.  They may be able to squeeze out a better deal for you.\n\nI'm guessing from your name you are female.  Consider taking a male with you.  Many dealerships are full of sexist idiots that will try to screw you over, and assume that you are not going to notice since you are a woman.  It may even be best to just get an auto loan with a local credit union or bank as opposed to dealing with the games they play at the dealership.
400168
Scores range from 300 to 850.  The higher the score, the more you can borrow and at a lower rate.  The site below says the US average is 723 so you will pay a higher interest rate than the average person.\nSo, pay your bills on time and don't have to many open credit cards - they'll kill you.\n-MM
244598
Well, to be honest with you your best bet would be to put the money in the bank that you plan on paying the credit cards off with. Each month you can pay over the monthly limit, but make sure you make your payments on time. By just paying off your debt it's not going to really help your credit score. They want to see someone who has really established themselves and has a good reputation. You might be able to get a loan anyway, but I will advise it might not be the best nor the cheapest interest rate. These are definite things to keep in mind.\nIf you do these things it will help your credit score, and you will be building a good reputation for your credit. This will also cause your credit score to go up. Once you have established good credit again, you will be able to get the loan you want and deserve. Hey we all fall into some bad times. So you aren't a bad person!! Just get back up on your feet, and move on. Life throws us curves and sometimes we have to duck, sometimes we have to tread through! \nMy suggestion to you would be to go to the websites I have pasted below. It explains what is a credit score, how do I get my credit score up. \nGood Luck, I hope this helps!
618989
Hi\nYou may have trouble in getting an unsecured loan for $30K.  I am a loan officer at a bank and when it comes to most debt consolidation loans, they are unsecured -- meaning no collateral.  This being so, unsecured loans are not real big loans.  You could do this as an equity loan against your house (or your friends, i mean).  Once there is collateral, the terms involved get much "friendlier:"  Good Luck!
496122
My credit limit is $300..I don't think they ever turn anybody down since they guarantee you even if you have bad credit..Interest rate is high...DON'T miss a payment or go over the limit.. Depending on your income, you may get more or less than 300.00.. I went online, set up my account and set the payments up to come out of my account and then I know that my payments are always on time (wonderful thing).. They will (though you have to set that up) send you e-mail reminders to pay your bill and receipts for your payment
659384
That's not a good FICO score, but (American) auto manufacturers are getting very desperate.  Who knows... someone at "the big 3" dealers may go for it.  Watch out for extreme interest rates though!
418597
depending on how much you are borrowing they may just base an offer of a loan on your credit score(if its good all the better)\ncheck out \nnorthern rock \nthey have low rates \ntheres also tesco ,egg and loads more\nif its more than £5000 you shouldnt have to pay more than 5.5 to 6%\ninternet loan providers tend to have better rates than the high street so do a search on line and remember to read the small print!good luck
581332
join a local credit union and see what they can do for you.  i had a 18,000 loan on a van for 5 years and after 1 year of payments, they were willing to re-finance it for another 5 years at the original rate.  due to the 1 year of equity, my payment would have dropped to somewhere around the 200 area.  but, i chose to refinance for just 4 years so i could get a lower rate.  either way, join your local credit union.
666040
Sorry homey. I look at credit reports all day. You can pay it till your blue in the face and no one cares. Credit is when you OWN something (like your house, your car, the shoes you bought with your credit card) and pay it off later. You pay your rent UP FRONT for the next month. If you don't pay, you get your ass kicked out onto the street. The best way to build credit at your young age is to purchase things on your credit card that you ALREADY HAVE THE MONEY FOR and pay it off right away. You're max will go higher and your credit will too. Don't ever keep your card higher than 50% of your limit for too long. If you can get someone to co-sign for you right now (like a parent) and you buy what you want and pay it off, that looks good too. It's a lot harder to build credit than it is to knock it down. It just takes a while. Your young I'm guessing- so heres the best advice I can give you. Care more now about what your credit score is and what's on your report than what it can get you. You can ruin your credit now by buying a 2000 dollar plasma and then it will hurt you a lot when you go to buy a $300,000 home.