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I bought a top swap (came with a car)

I suppose I would need to see with the bank on loan options on a used car, I have a poor credit score (580) and my wife hasn't really established any yet. Utah huh. I am originally from West valley city

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Rlugo87 said:
I suppose I would need to see with the bank on loan options on a used car, I have a poor credit score (580) and my wife hasn't really established any yet. Utah huh. I am originally from West valley city

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I'm in Kemmerer, Wyoming right now. I worked at airport number 2 for about 10 years in West Jordan. I've been fortunate in the workforce until the last couple years and still have good credit. when I bought the Cruze, it was new, and I got it for 18,000. I got 3.6% interest and the payment was 315. I just refinanced it, got 4% and am paying 183. I would estimate your payment to be under 200 a month, unless you got a crazy interest rate like 15%
 
The Cruze raises my insurance by 79 per month over the the 01 and 00 combined the spark lowers it by almost 100. Ultimately it's going to be her car I have some choice in the matter but I don't gotta drive it every day. I will most definitely be showing her your car when she gets home. The dealer claims I can't get a loan on a used car because of our credit scores but of course they are trying to push these technically year old models off the lot

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Rlugo87 said:
The Cruze raises my insurance by 79 per month over the the 01 and 00 combined the spark lowers it by almost 100. Ultimately it's going to be her car I have some choice in the matter but I don't gotta drive it every day. I will most definitely be showing her your car when she gets home. The dealer claims I can't get a loan on a used car because of our credit scores but of course they are trying to push these technically year old models off the lot

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that would be great. your biggest tool at this point is the ability to walk from a deal if it doesn't work out. I don't know what kind of sales team they have, but the last time a high pressure salesman tried to push me and my wife into a deal, I almost lost my cool and got violent, but thankfully I was able to walk away without incident. I'm not saying that to make myself look cool, just to say that walking if the deal isn't right is the best thing you can do.
 
Most definitely, main reason we walked Today, I said not only to we need time to think, but I need to get the 01 from the shop it's at , I would need to demod both cars, and see what our budget allows. Right now I pay 266 a month for an 01 gp gt that hasn't ran in over a month, and 303 a month on a 04 gp gt, and 280 a month in insurance on all 3 of our gp's. I am a restaurant kitchen manager and my wife is the gm of a gas station chain. In reality we make 60k combined so eliminating bills or lowering them is essential. And now I fully expect people to start telling me how screwed I got on both the 01 and the 04. Those cars are the result of being in need of a vehicle and being willing to accept whatever terms where placed in front of us. If I would have known I could get a brand new car for under 15k at less than 250 per month and my insurance could literally cost 59 per month @ 500 deductible! I would have done this a long time ago. My biggest thing is to bail out of my 01gt, 4k was steep from the get go, 19 percent interest made it steeper, then within 3 months I had to rebuild the transmission and new control arms. Now the car has a bad oil pump. I am soooooo done with it. Now im paying 5k for the 04 with 0 interest, and it has been nothing but reliable since day one so it's logical to keep it. I just bought this 00 gtp to get me by till the 01 was done then use it for a l67 transplant later. But if I can get a 400 profit off it just like that then why not. Again I will show her your car, if she likes it then I will contact you and maybe you can walk me through what I can do to find financing, my issue would be the bailing out of the 3262 I owe on the loan for the 01.

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My cell number is in the listing. I would recommend selling the car you have a loan on, if possible.

edit: I reread that and it makes more sense after the 2nd reading. I have a credit union that I bank through, and they have had competitive rates for a long time. I would look around at any credit unions nearby and see what rates they offer. one of the reasons dealerships sell a lot of cars is because they have a finance guy that knows about many different banks and financial institutions where people can get good interest rates. when I originally bought the cruze, I financed it through First Interstate Bank. They have good rates and I had a good experience with them, but I don't know what interest rate they would offer you. my credit score is 800+ and I got 3.6%
 
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We decided not to buy a new car just yet so im keeping my 01 gt and she is keeping her 04 haha. I did sell this gtp off to a guy who didn't care the towers are toast. Gave me 900 bucks for it. I grabbed another grand Prix beater because apparently I'm an addict and need to buy every grand Prix I see haha.

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