I am in car finance hell?
349746
Sounds as if they found a secondary one to buy the paperwork. I still would ask a lot of questions before I signed any thing...Janie
214604
You do not have to lie.  You just have to be willing to say no if they will not offer the car for what you want to pay.  If the process makes you feel sleazy, then maybe CarMax or a Saturn dealership where the prices are fixed might be the right option for you.
932560
Actually you can get a "Title Loan" on your car. Look in the yellow pages, google it or check some of the Payday Advance places in your City (many of them do this). Don't do this unless you are ABSOLUTELY strapped for cash though because you'll be paying the loan back at a very high rate of interest.
564283
not every lender reports to credit agencies...plus there are 3 agencies...did u check all 3?  \n\ncall to find otu which one they report to and if they dont ask them for a record of your payments.  then tell them "does this mean I can NOT pay you and nothing will happen if you cant find the car?"
856619
Contact the business which loaned you money for the car.  What probably happened is:  you turned the car in to them....they sold it....the amount of the sale did not cover your loan amount... you now owe the difference (called a deficiency balance).\n\nMake arrangements to pay it... and any other debts that you've decided not to pay.  Grow up....fix your own credit.... you and you alone are responsible for it.  You can pay a company to "fix" it for you, but it won't be fixed and you will then owe THEM money.\n\nIf you've been turned down for a loan, go back to that loan officer and ask her how you can become more eligible for a loan.  Follow her advice exactly.
359335
other than the student loan route, try salliemae which is a private organization that lends money to students and try the banks.\n\nDepending on which bank, they may have an educaitonal loan dept which would give you a break even if your credit isn't that hot right now.\n\nas far as the car, save up some money and buy one used.\n\ndo you have any relatives that you can borrow money from?  Or take a year off, work two jobs, save up and then go back.  is that an option?
717816
look for the car adds that say, "bad credit, no credit, no problem" or something like that. I don't know where you are, but google Auto Solutions.
133569
wow that is a high interest rate for a car, find a different lender. You could pay only $386.66 a month if you can get it to 6%!\n\nhere is a calculator online:\nhttp://www.bankrate.com/brm/popcalc2.asp?unroundedPayment=386.6560305885654&loanAmount=20000.00&nrOfYears=5.00&nrOfMonths=60&interestRate=6.00&startMonth=1&startDay=28&startYear=2006&monthlyPayment=386.66&monthlyAdditional=0&yearlyAdditional=0&yearlyAdditionalMonth=1&oneAdditional=0&oneAdditionalMonth=1&oneAdditionalYear=2006&paidOffDate=Feb+28%2C+2011&Submit.x=43&Submit.y=9
915959
I'm with fr_chuck, you can save the money (do not pay), and let it hurt your credit a bit. Otherwise you pay the price for a good credit rating and she keeps the car as a bonus. I am so sorry there are such users, liars and cheats in the world.
755354
different auto landersa have different policies.. try this http://www.carsloan.info
1013496
I'd suggest you give up on wanting to buy a NEW car and buy a nice used car - pay CASH. Work your butt off and save money to buy it.
498125
you should ask a financial expert over at http://www.MechanicsofMoney.com
2762
Whatever you do, don't let it get reposessed. Try to sell it for whatever is left to be paid  on the car finance agreement or check with the dealer if you find someone to take over payments.
1105378
It sounds like you are a very responsible young man, and it is good to see that you are already working towards purchasing your own things. There is nothing more satisfying than having worked hard and having something to show for it. Unfortunately as stated, you aren't going to find any banks that are able to provide you the funds you are seeking to obtain your truck. But I am going to make a suggestion. You should consider having one of your parents purchase a nice used truck for you and then making the payments to them. It is almost as if they were the bank that you are paying to. Also, they will have to be strict and you would lose your driving privileges if ever there is a month you were unable to make payments. This is a great learning tool for you and I am sure your parents would be more than happy to help out. Good luck!
581054
email me, I work at a car dealership, and have done a bunch of these.  It can get complicated sometimes.
1149969
Since you have a computer go to your banks online service bring up the payments. Call the Loan Company while online discuss it with the manager in charge. Explain to them the problem you are haveing. A Friend of mine just went through this an she claim bankruptcy just prior to this but kept the car and payment. But what had happened is the payments go to a lock box and sit there and when they finally put it in they credited the wrong account. They were showing her two months behind an her payment were there on the first of every month. Plus get there building address not a po box and send the payments to that addrress.
1080780
It's true. When I got my first vehicle I was approved for 12%apr and was more than happy with my car. Soon I was late on one of my payment and my APR jumped 23%!!!. The company ripped me off and eventually I let the car go back after the engine cracked. Don't worry about your credit though, It's only a number, and you need to not get stressed over it. Do what I do, buy it in cash!