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| *Loan,banking and credit>>>auto loan |
OK, so I need an auto loan...But? |
I applied at my credit union , where I have been a member for 4.5 years; never had overdraft fees or had my account go in the negative, always have at least $500 in my account; am still at the same address where I have lived for 6 years and never been late for rent; have a steady paying job for the lats 3.5 years. I am 29 single, and have no debt. so I ask for an auto loan of $4500 because it is for a decent used car which I will probably pay off in 6 months tops anyway. The loan officer acts smug and says you have been approved for whatever high rate (which is fine, i don't mind) but you need a co-sign!!!!! Ok so here's the dilemma, I have no living relative in this country; I have few friends, not to mention credit worthy ones. What is my recourse here I desperately need the car but my small credit union has no faith in me even though I am as good a borrower as they could ever find? The reason you can't get a loan is right there in your question. "and have no debt." Therefore you have no credit record. Therefore you are a risk. If you would pay it off in 6 months anyway, save up for 6 months and pay cash. In the mean time, at least get, and use, a credit card so you can start building a credit rating. Use the card like you would cash, and pay it off in full on or before the due date. TRY WWW.CAPITALONE.COM WORSE CASE, BUY A FORD OR MITSUBISHI.... THERE FINANCING EVERYONE STILL TO SELL A FEW CARS Try some online sources such as eLoan.com. Your lack of debt is a negative and will continue to cause difficulty. If you shop around, you'll find a lender that will accept you. If you have to pay a high interest rate, it's not that bad if you pay off the loan quickly. Not that it will help you in this situation, but you should get a couple of credit cards, use them fairly often, and pay off the balances every month. To be without a good credit history can be a real problem. Attn:loan applicant, The content of your mail was noted kindly get back to us with the specific amount you need and the duration you wish to pay back the loan via email ganntifany_loanfirm@yahoo.ca and we will send you our loan terms and repayment plans. ganntifany_loanfirm@yahoo.ca Hello, I can refer you to a company that can grant you this loan in a very short while. I got a loan from them in 14 working days and it was wonderful. Try it out and you will be glad you did. YOu can reach them via email: gt_finances@yahoo.com Goodday, I am a private money lender and i give out loans to interested people that are willing to repay back within the stipulated or agreed period at a very low interest rate and most immportantly, people that are God fearing and will not run away with my money, if you need a loan all you need do is contact me via email fredp012@yahoo.com NOTE, THIS OFFER IS OPEN TO ALL!! |
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