Won ebay auction, Honda of San Marcos refusing to honor ** PICKED UP PG. 16 **
08-17-2011, 01:26 PM
#523
I drive a Subata.
iTrader: (1)
08-17-2011, 01:52 PM
#524
The Dumb One
iTrader: (1)
each bank/credit union has their own policies and attitudes..
just a matter of searching...
and like me, you can start building credit at a very young age... i had a co-sign loan the day i turned 18... still havent bought anything big... but i constantly build my credit will small loans and cards...
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rossv1 (08-17-2011)
08-17-2011, 03:29 PM
#528
welcome to America? 
08-17-2011, 03:37 PM
#529
The sizzle in the Steak
08-17-2011, 03:46 PM
#533
Chapter Leader (Southern Region)
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DaChef320 (08-17-2011)
08-17-2011, 08:04 PM
#539
UPDATE:
Can't release any details until everything is final but
I need logo from this forum so I can post it on my car as I drive it back home lol.
Anyone willing to send me a stick or post a picture of how acurazine's logo is I can go to sticker shop and have them print them.
States I will be driving by are
Texas
New Mexico
Arizona
California
Oregon
Washington
Also I wont be able to get a license plate that says NO RSRV until I get to Alaska.
My plan is to drive the car back with bunch of forum logos so that way if you guys see me on the road you guys know its me
Answer to people who asked how I was paying
Cash + finance (Didn't want to cash it out as I want to alpha 6 it)
Monthly payment is $380 for 72 months at 4.6% interest rate. Will refinance in 6months to 2.9%-3.25%. There is no co signer/help this was all me.
Can't release any details until everything is final but
I need logo from this forum so I can post it on my car as I drive it back home lol.
Anyone willing to send me a stick or post a picture of how acurazine's logo is I can go to sticker shop and have them print them.
States I will be driving by are
Texas
New Mexico
Arizona
California
Oregon
Washington
Also I wont be able to get a license plate that says NO RSRV until I get to Alaska.
My plan is to drive the car back with bunch of forum logos so that way if you guys see me on the road you guys know its me
Answer to people who asked how I was paying
Cash + finance (Didn't want to cash it out as I want to alpha 6 it)
Monthly payment is $380 for 72 months at 4.6% interest rate. Will refinance in 6months to 2.9%-3.25%. There is no co signer/help this was all me.
Last edited by xoulu; 08-17-2011 at 08:13 PM.
08-17-2011, 08:10 PM
#540
AZ Community Team
Join Date: May 2007
Location: N35°03'16.75", W 080°51'0.9"
Posts: 32,488
Received 7,770 Likes
on
4,341 Posts
Sometimes you guys can be real assholes, you know that?
08-17-2011, 10:04 PM
#541
Chapter Leader (Southern Region)
UPDATE:
Can't release any details until everything is final but
I need logo from this forum so I can post it on my car as I drive it back home lol.
Anyone willing to send me a stick or post a picture of how acurazine's logo is I can go to sticker shop and have them print them.
States I will be driving by are
Texas
New Mexico
Arizona
California
Oregon
Washington
Also I wont be able to get a license plate that says NO RSRV until I get to Alaska.
My plan is to drive the car back with bunch of forum logos so that way if you guys see me on the road you guys know its me
Answer to people who asked how I was paying
Cash + finance (Didn't want to cash it out as I want to alpha 6 it)
Monthly payment is $380 for 72 months at 4.6% interest rate. Will refinance in 6months to 2.9%-3.25%. There is no co signer/help this was all me.
Can't release any details until everything is final but
I need logo from this forum so I can post it on my car as I drive it back home lol.
Anyone willing to send me a stick or post a picture of how acurazine's logo is I can go to sticker shop and have them print them.
States I will be driving by are
Texas
New Mexico
Arizona
California
Oregon
Washington
Also I wont be able to get a license plate that says NO RSRV until I get to Alaska.
My plan is to drive the car back with bunch of forum logos so that way if you guys see me on the road you guys know its me
Answer to people who asked how I was paying
Cash + finance (Didn't want to cash it out as I want to alpha 6 it)
Monthly payment is $380 for 72 months at 4.6% interest rate. Will refinance in 6months to 2.9%-3.25%. There is no co signer/help this was all me.
08-17-2011, 10:05 PM
#542
Chapter Leader (Southern Region)
also... ROR'D!!!!
08-17-2011, 10:18 PM
#544
Chapter Leader (Southern Region)
vinyl wrap? 
I'm in Austin. San Marcos is the sweaty jock of Austin.
I'm in Austin. San Marcos is the sweaty jock of Austin.
08-17-2011, 10:19 PM
#545
How the fawk did you get the loan without a co-sign? When I was 21 and taking a loan out on my car, the credit union wouldn't cut me any slack even though my FICO rating was 760. As soon as I got a credit card (17/18) I almost never used cash.
Either way, congrats! I'd love to see the looks on their faces.... especially when a 21 year old walks in to take delivery
Either way, congrats! I'd love to see the looks on their faces.... especially when a 21 year old walks in to take delivery
08-17-2011, 11:38 PM
#547
AZ Community Team
Join Date: May 2007
Location: N35°03'16.75", W 080°51'0.9"
Posts: 32,488
Received 7,770 Likes
on
4,341 Posts
08-18-2011, 09:12 AM
#552
It's not really that hard. I had my first CC at 17, had gone through several beepers (
) and cell phones by 21 as well, plus while I was living home I had my own phone line installed (at 16). All helped build credit. If you start building credit early (and start making money early as well), it's really not that hard. And I wasn't making a ton of money while in HS, but that combined with building credit made it easy. I bought my first new car at 18 without a co-signer. Come to think of it, I was only 24 and my wife (at the time fiancé) was 22 when we built our first house and pre-qualified for a mortgage (closed/moved in when we were 25 and 23).
08-18-2011, 09:21 AM
#554
Suzuka Master
It's not really that hard. I had my first CC at 17, had gone through several beepers (
) and cell phones by 21 as well, plus while I was living home I had my own phone line installed (at 16). All helped build credit. If you start building credit early (and start making money early as well), it's really not that hard. And I wasn't making a ton of money while in HS, but that combined with building credit made it easy. I bought my first new car at 18 without a co-signer. Come to think of it, I was only 24 and my wife (at the time fiancé) was 22 when we built our first house and pre-qualified for a mortgage (closed/moved in when we were 25 and 23).
08-18-2011, 09:26 AM
#555
Trolling Canuckistan
Times are different but there is a lot more to financing than your age and credit score. If the OP was looking to finance the whole thing, he may have run into an issue but he was looking to finance a relatively small part of it.
If you aren't a full fledged credit criminal and you are putting 50% or more down, the bank will most likely give you the loan. If you are buying a 50K car and putting 25K down, the bank owns the car for 25K, if you never make a payment on your loan, they only need to recoup 25K from a 50K car. That is assuming very little risk on the banks part.
It all depends on what type of credit you have established, how much $$$ you are asking for in the loan, and how much the object you are trying to buy is worth.
You want 50K to buy a 100K car, the bank is in. You want 75K to buy a 50K car, the bank tells you to pound sand.
If you aren't a full fledged credit criminal and you are putting 50% or more down, the bank will most likely give you the loan. If you are buying a 50K car and putting 25K down, the bank owns the car for 25K, if you never make a payment on your loan, they only need to recoup 25K from a 50K car. That is assuming very little risk on the banks part.
It all depends on what type of credit you have established, how much $$$ you are asking for in the loan, and how much the object you are trying to buy is worth.
You want 50K to buy a 100K car, the bank is in. You want 75K to buy a 50K car, the bank tells you to pound sand.
08-18-2011, 10:20 AM
#557
`100% true, but even MORE reason why you should start building credit ASAP. Back then anyone could get credit, now you actually need to have good credit (and other things, like Black Label mentioned) to get a loan. If he's been buildign his credit up since he was younger and has a good income (plus a low debt-to-income ratio), he can still get financing pretty easily. I know several people in their low to mid-20's currently buying their first place without any co-signers...
The lending rules have changed, but that just makes good decisions and early starts (for saving and credit) even more important.
Built 2 and currently renovating our new home....
The lending rules have changed, but that just makes good decisions and early starts (for saving and credit) even more important.
Built 2 and currently renovating our new home....
08-18-2011, 10:26 AM
#558
`100% true, but even MORE reason why you should start building credit ASAP. Back then anyone could get credit, now you actually need to have good credit (and other things, like Black Label mentioned) to get a loan. If he's been buildign his credit up since he was younger and has a good income (plus a low debt-to-income ratio), he can still get financing pretty easily. I know several people in their low to mid-20's currently buying their first place without any co-signers...
The lending rules have changed, but that just makes good decisions and early starts (for saving and credit) even more important.
Built 2 and currently renovating our new home....
The lending rules have changed, but that just makes good decisions and early starts (for saving and credit) even more important.
Built 2 and currently renovating our new home....
08-18-2011, 10:32 AM
#559
Senior Moderator
Okay...really late to the party. Cliffs?
08-18-2011, 10:40 AM
#560
Yumcha, of the whole thread?
OP won ebay auction of said GTR. Dealership wouldn't sell it to him. He posted his story on 50 websites (exaggeration). They finally relented and now he's on his way to get it. Wants to get stickers of every forum he posted on to put on his car on the drive home to Alaska. Now we're just waiting for pics and discussing how this 21 year old chap can afford a GTR. Oh and making fun of someone every once in a while.
OP won ebay auction of said GTR. Dealership wouldn't sell it to him. He posted his story on 50 websites (exaggeration). They finally relented and now he's on his way to get it. Wants to get stickers of every forum he posted on to put on his car on the drive home to Alaska. Now we're just waiting for pics and discussing how this 21 year old chap can afford a GTR. Oh and making fun of someone every once in a while.
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Yumcha (08-18-2011)