SVTJOE asked:


I have been trying to figure out how to qualify for an auto loan, i was denied for one by capital one auto finance.

I just started building my credit seven months ago and my fico scores are 672,704,and 729. my monthly income is 1949 before taxes and only pay 300 on expenses plus 250 on gas.
the loan amount is 23000
i meant the vehicle amount is 23000

i have a car worth 6000 i want to trade in but i tried capital one to avoid this in the first place.

Wanda

rwestmore7 asked:


I have poor credit. I got into financial trouble a while back. I have paid off most accounts, and am working to pay the rest. My credit score is somewhere between 490 and 515. If I have a cosigner with about 1.5 years of credit history with one credit card (should be a score about 700-720), can I get financed for a car with a bank? I am a member of a credit union, should I try there?

Randy

Shelly T asked:


Me and my ex have financed an auto loan together. He took the truck and promised to make the payments. It has been 5 months and he has not made one payment. I dont want to file bankruptcy nor pay for that truck but I think Im running out of options. Does anyone know what I can do to get off the loan or any way ot help me?

Monica

Hard Core Dance Poles asked:


If you have the Pay History form the Finance Company and you have submitted your Banking Financial Statements along with a copy of the cleared check, and on the Pay History that you optained from them, it does not show that payment credited to you account. Because that payment was not credited it has accumulated additional unnecessary Fee’s etc.. and the You have Emailed the infor 6 times, tried by telephone to resolve, finally get the Manager over Collections, send him all of the Info By Courier, and come to find out he doesnt even look at it , doesnt call you back, lies to you when you ask if he is coming to get your car, and then orders a outside agency to go to the sheriffs dept to optain some kind of warrant so that you have to hand over your car to them when they come, and the Collections manager does all of this AFTER telling you to submit AGAIN your proof and will discuss your file with you to get it resolved. What can a consumer do to prevent this?
And you have been trying to get this resolved now for over a year. But yet No one at Finance Company look at the paper work, they just assume you are wrong and they are right. Is there something that you can file with the court to stop the repo to make a Judge look at the situation or a Mediator ? Because if they take it then , Out a Vehicle, and I know that you can file suit for Unlawfull Repo, but what can be done before that happens?

Roland

LibraryGirl asked:


I have filed bankruptcy in the past and am on the road to credit recovery. My plan is to first finance a car – pay it on time each month and then hopefully one day be able to purchase a home. I was approved for finance by a company called Drive Financial. Are they an okay company to do business with?

Darlene

Kelson asked:


Hi everyone!

Could someone please let me know a good place to go for new or used car loans with low interest rates for someone with average to good credit?

So far, I’m finding lenders with around 7-8% interest on the low end. I’d prefer to pay about half that. Looking at financing around $20-30,000.

I am a USAA member, but not the member of any credit union.

Thanks for your advice!

Doris