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Old 03-16-2011, 10:37 PM   #1
kyledupreez
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Member#: 248479
Join Date: Jun 2010
Chapter/Region: RMIC
Location: up BIG C wood Canyon
Vehicle:
2000 sti'ish outback
and something german

Angry BANKS need to DIE. (venting... nothing to see here)

I have a 705 credit score. never missed a payment on anything. ive had multiple car loans for long enough periods of time. i go to get a car loan now. they wont give me one. unless i want 9% and half the amount im looking for. total BULL S**T if you ask me. they say my credit history isnt "strong" yet. well to make it stronger one needs to get another loan to help build it right? but we wont give you a loan. so you need a cosigner. which normally not a big deal id get my dad to. but now they want his financail records since 1909. for a small loan? that he is only co signing (the back up). he is self employeed kind of hard to say i make X amount. he also has a 720 score or so. i make enough to cover the loan payment 6 times in a month. so really the bottom line is now that im going to go through the biggest fit in history in the branch managers office tomorrow. wish me luck

if anyone has a hook up at a bank, credit union or wants to be my co-signer this would be the time to step forward

sidenote i shall have a car soon. this is just a loan for my DD. the weekend car will be paid for cash
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Old 03-16-2011, 10:40 PM   #2
Touge86
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where'd you go? credit score is only a number. You could have a bankruptcy and a 760 and hear the same thing.

It is easy to get high 700's when you are younger too.
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Old 03-16-2011, 10:42 PM   #3
kyledupreez
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Join Date: Jun 2010
Chapter/Region: RMIC
Location: up BIG C wood Canyon
Vehicle:
2000 sti'ish outback
and something german

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i understand all that. but im trying to keep my score up and make it a stronger line of credit. but no one is willing to give me a loan. i went to america first (had 2 car loans, 1 personal w/ them) and mountain america. both the same answers.
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Old 03-16-2011, 10:42 PM   #4
Vehicle336
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Chapter/Region: South East
Location: Durham, NC
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If the car is over 8 years old, that's just how it is. Go to a credit Union. **** it, go to America First. They don't give a ****, and with a 705 credit score you should be in the 5-6% range.







































































Getting a loan from a bank is ghey. Seriously, go to a credit union.
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Old 03-16-2011, 10:46 PM   #5
kyledupreez
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Join Date: Jun 2010
Chapter/Region: RMIC
Location: up BIG C wood Canyon
Vehicle:
2000 sti'ish outback
and something german

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my personal bank (central bank) will give me a loan at 11% but will actually give me the loan.

the car is a 2007. so its not old at all. the loan amount is well under the nada value (which they use)
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Old 03-16-2011, 10:47 PM   #6
Touge86
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america first is a credit union, that is where they went.

They have been getting really wells fargo ish these last couple years there.

It used to be you walk in and ask for money and they ask how much and hand it over.

You have to be a 760 to get the lowest rates there anymore. Used to be a 700.
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Old 03-16-2011, 10:51 PM   #7
subiewrx001
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Chapter/Region: RMIC
Location: Salt Lake city, Utah
Vehicle:
04 WRX VF34
water/meth, spt intake

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I heard a commercial on the radio about America First saying they have 1 billion dollars to give out in loans and they will work with everyone, so much for that!
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Old 03-16-2011, 10:51 PM   #8
kyledupreez
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Member#: 248479
Join Date: Jun 2010
Chapter/Region: RMIC
Location: up BIG C wood Canyon
Vehicle:
2000 sti'ish outback
and something german

Default

i dont even care about the rate. as long as its under 6% im ok with it. i just want a freaking loan.
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Old 03-16-2011, 10:51 PM   #9
Vehicle336
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Chapter/Region: South East
Location: Durham, NC
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Hmm,

I think it must be your ugly face...

Just a guess though, I've never met you in RL...

J/K, calm down.

Go right up to the manager and punch him in the face all "Way of the Gun" style.
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Old 03-16-2011, 10:57 PM   #10
kyledupreez
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Member#: 248479
Join Date: Jun 2010
Chapter/Region: RMIC
Location: up BIG C wood Canyon
Vehicle:
2000 sti'ish outback
and something german

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i could rob the bank? options.
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Old 03-16-2011, 11:31 PM   #11
azn2nr
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Member#: 35276
Join Date: Apr 2003
Chapter/Region: RMIC
Location: Salt Lake City, UT
Vehicle:
2006 2.5i clone
438/420 whp

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I use university. I get whatever the **** I want. I've only hhad 1 loan prior to my current one. And my combined credit limit is approaching 30k. Banks can't get enough of me
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Old 03-17-2011, 12:23 AM   #12
kyledupreez
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Member#: 248479
Join Date: Jun 2010
Chapter/Region: RMIC
Location: up BIG C wood Canyon
Vehicle:
2000 sti'ish outback
and something german

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i had my jeep through university. i will call them tomorrow. and UCCU. hopefully i can find one.
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Old 03-17-2011, 12:29 AM   #13
axleon2
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Chapter/Region: RMIC
Location: Midvale, Utah
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2004 WRX
JBP

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I wouldnt give you a loan either until you kept a car longer than 3 months!
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Old 03-17-2011, 12:38 AM   #14
JON-E25WRX
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Member#: 225389
Join Date: Sep 2009
Chapter/Region: RMIC
Location: Sandy, UT
Vehicle:
03 wrx, MBP 08V
rotated 35r VOLTEX bugeye

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^lol...
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Old 03-17-2011, 12:48 AM   #15
c money
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Chapter/Region: RMIC
Location: UTAH
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2005 Yamaha R1

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I have a loan at america first for my wrx and i just bought a harley for 12k and got a loan at 6% just last week from america first as well. They've always treated me good.
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Old 03-17-2011, 12:48 AM   #16
DraconisWRX
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Chapter/Region: RMIC
Location: WVC UT
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From personal experience eff America First. And eff their loan servicer SST. Both companies can burn in hell.
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Old 03-17-2011, 01:17 AM   #17
Touge86
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2013 M3
Mint Green

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I got my countryman through america first with no issues really, but I can tell they are tightening up.
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Old 03-17-2011, 02:11 AM   #18
907Bum
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Member#: 183634
Join Date: Jul 2008
Chapter/Region: RMIC
Location: At the "B"
Vehicle:
02 wrx/ 92 ss
Booze fueled :)

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Yea I got a loan on my 03 a year ago or so and it was at 3.5% my credit is around 740 though... dunno how much of a difference that makes
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Old 03-17-2011, 02:19 AM   #19
bhhamblin
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Chapter/Region: RMIC
Location: Clinton, UT
Vehicle:
13 STI, 83 DR30
93 R32 GTS-T, 93 R32 GTR

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740 credit here and 4.2% interest at a bank. Not a credit union.
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Old 03-17-2011, 02:26 AM   #20
sibes11
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Join Date: Feb 2011
Chapter/Region: RMIC
Location: provo
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2011 WRX
black

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With a 700 or better you really shouldn't have a problem, jp( the finance manager) at my dealership might be able to help
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Old 03-17-2011, 07:50 AM   #21
Kentrik
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Member#: 125937
Join Date: Sep 2006
Chapter/Region: RMIC
Location: 4894' above sea level.
Vehicle:
03 WRX I do not
like your tweed, chap.

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My credit score is like 496.




Bitchez got nothin on me. Identity thieves won't even waste their time with me.
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Old 03-17-2011, 09:46 AM   #22
kyrosnick
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Member#: 169915
Join Date: Jan 2008
Chapter/Region: RMIC
Location: SLC, UT
Vehicle:
2007 Legacy
Grey

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Walked in Monday to Americas First. They cut me a check for $27k for 2.99% 60 months no questions asked. Was in and out in 15 minutes.
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Old 03-17-2011, 09:55 AM   #23
SkiWrex
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Join Date: Mar 2007
Chapter/Region: RMIC
Location: Utah
Vehicle:
02 PSM
Wagon VF39'd

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I've always had good luck with America First, hell they approved me for a car loan up to $50,000, of course that might be due to my good history with them and my 785 credit score.
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Old 03-17-2011, 10:21 AM   #24
Touge86
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Join Date: Dec 2007
Chapter/Region: International
Location: Portland
Vehicle:
2013 M3
Mint Green

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^No you think?
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Old 03-17-2011, 10:32 AM   #25
aclver1
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Location: SLC utah
Vehicle:
2004 Impreza 2.5rs
70 Datsun Fairlady

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Quote:
Originally Posted by kyledupreez View Post
i had my jeep through university. i will call them tomorrow. and UCCU. hopefully i can find one.
I work for UCCU, i just do their IT stuff so not much help in the loans department. Credit scores are only part of it and really they are more concerned about debt to income ratio now since the last 2 years there have been a ton of delinquency on loans and repossessions. I actually have a loan through University credit union for my wifes car and it's a good rate. We are usually completive with most but since we are a small credit union we tend to be little more picky.

Last edited by aclver1; 03-17-2011 at 10:45 AM.
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