*Loan,banking and credit>>>debt loan

I need credit to buy a car. Currently my bank refused give new loan - too much debt. Where can I get a loan?

Hi, Peter! All you need is a respectable down payment, (20%), you need to show proof that you can come up with the balance owed, and that you can afford insurance. You only need strong credit when you're trying to buy more car than the seller thinks you can afford, if this is the case, then you might want to consider neogotiating a WRITTEN agreement whereby you come in every week with $150.00 towards a down payment that the seller feels comfortable with in addition to your car note. I've made $600.00 a month easy just picking up cans and bottles with a shopping cart! Sure, I was embarrassed, but I was feeling good when I left the bank after making my weekly $150.00 deposit. If that's the car you really want, then the only thing holding you back is fear, doubts, and procrastination. There's no reason why you shoud not be rolling in a new car. All you got to do is get serious about your paper, snaps, green, dead presidents. Sellers can sense whether you're serious or just window shopping by your presentation. They don't need to know that you're picking up cans, but what they do need to hear is a good presentation. Listen, Peter, I'm no Brad Pitt, but I've hooked up with some nice looking girls only because I dress, look, and act the part, and this is what I really wanted at the time. It's the same with buying a home. Lots of folks got home loans that later went into foreclosure only because they had a good presentation, not the ability to pay. But the real question is, do you really want this car? If so, then get serious about your paper, and the rest of your dreams will come true as a result. In regards to going to banks for a loan they were offering me credit cards I did'nt want when they saw I did'nt need their money. That's why I say, Peter, get your paper to-gether,first, and everything else will fall into place, but until then, I would negotiate directly with the seller. They'll carry the paper. Especially if they see you every week flashing that $150.00 you made collecting cans. I'd also get a second job! I had this girlfriend named Prescilla and we were nurse's assistants. She would work 2 eight hour shifts every chance she got. I thought she was crazy at first till I saw her carrying around 7 to 8 hundred in her pocket. Prescilla was serious about her paper. That's what woke me up! This is your wake up call, Peter. Too Short said it best: You should be gettin' it.
While the gettin' is good! Sincerely, adjaxsen.

you may have to go to one of these lots where your job is your credit for right now. In the meantime pay down some of your debts and build your credit with the car lot. When you go to another lot, you will be in a lot better shape.
Generally bank check for the credit before giving a loan. In that case if you donot have that much of credit it will be better if you go to a debt collector to improve your credit score and then you can get the loan. At the same time you can try for some loans also.
To know more you can visit
http://geteasyloans.blogspot.com...
and
http://debtconsolidationmanagement.blogs...
Auto finance is what I do for a living and without knowing what your banks debt to income ratio is it's hard to say.

You can try a dealership or you can try Capital-One Auto Finance on line, they do not have debt to income guidelines.
Finance Manager for a car dealer for over 7-years.
Hmmm - maybe you can't get a loan because they don't think you can pay them back. Try SAVING some money and paying cash. Why would you want to pay interest anyway? You're looking at 25% interest, that's ridiculous. C'mon, stop trying to take the easy way out. Be responsible, don't spend more than you can afford.
Generally, if your debt to income ratio is too high, you will have a problem with any lender. It is imperative that they feel comfortable that you can afford to repay the amount they are lending you.
With that being said, most banks are very stringent on their lending criteria. There are funding sources available which write loans for less than desirable borrowers, but you will pay a higher interest rate for them to assist you. Try Drive Financial - search it on Google, or call several large dealers in your area and ask if they finance through them.