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Technorati Tags: , , ]]> Sat, 21 Jun 2008 08:33:45 GMT Open Question: Do I get taxed for a car accident that wasn't my fault? http://loan.sourcebyweb.com/auto-loan/Open-Question-Do-I-get-taxed-for-a-car-accident-that-wasn-t-my-fault.html Does anyone know anyone that finances or does auto loans for people with terrible credit situations?
im in need to find one i live in the phoenix az area.

Open Question: is restructuring an auto loan a good idea?


i bought a car two weeks ago,the finance manager told me that there was a 50 50 chance i would not be able to keep it.he pretty much tricked me into not signing the opt out 72 hour option.i spoke to another dealer who said the only way out of that deal is to sign the opt out,at the time i didnt know that,he also said they may ask you to restructure your loan,thats the other way out.today the dealer calls me and wants to restructure.is that a good idea,or should i take my buisness elsewhere? thanks and you are both right about the credit,so what will happen if i decide not to agree upon the new terms?if they want the car they can come and get it,but how can they make it hard for me to get one in the future?will it count as a reposession on my credit report? i dont get it,thanks for the pointers though

Open Question: Do I get taxed for a car accident that wasn't my fault?


I was in a car accident Jan. 5, 2006 - I deffered the paper work for my 2006 taxes but now need to takle it. Someone else totalled my car on the freeway. A few weeks later the insurance company paid the agreed upon amount (aprox. $14,000) to the financial company that held the auto loan. When I do my taxes am I required to pay income tax on this amount? Where do I find exact instructions for filing this on my tax forms.

Technorati Tags: , , , , , , , , , , ]]> Sat, 23 Feb 2008 03:09:25 GMT Open Question: Military car loans for family with TERRIBLE credit? http://loan.sourcebyweb.com/auto-loan/Open-Question-Military-car-loans-for-family-with-TERRIBLE-credit.html

Open Question: How to calculate total interest on a car loan?


Can anyone help with this?
My current auto loan is at $16,832.54 and if all payments ($349.91) are made on time will be paid off 7/21/13. The current interest rate is 12.65%. If I could get a rate of 6.9% and make the same payment amount, how soon would it be paid off and how much would I save in interest? (This was the type of math problem I was never ever able to do!!!!)

Thanks for your help!

Open Question: Military car loans for family with TERRIBLE credit?


My husband and I are currently expecting our 3 child in the summer and we NEED to get a new vehicle to accommodate our growing family. A few years ago we had a repossession and the car we are currently using is a 2 door 1998 Plymouth Dodge....in other words...its a piece of CRAP! We have been trying to get auto loans from every bank possible and all the credit lines the military offers but they all have lead to dead-ends. We need a new car but no one will seem to finance us b/c of the repo....what can we do with out having someone co-sign for us??? Please help as much as you can due to the fact that our baby will be here in a few more weeks!

We are trying to find a used but very reliable car for our family. We know we messed up earlier in our lives but now we need, desperately NEED, a new reliable car!

Technorati Tags: , , , , , , , , , , ]]> Sat, 23 Feb 2008 03:09:25 GMT Open Question: my credit score is 672 what is my interest rate on an auto loan going to be? http://loan.sourcebyweb.com/auto-loan/Open-Question-my-credit-score-is-672-what-is-my-interest-rate-on-an-auto-loan-going-to-be.html

Open Question: Auto Loans--what is a good credit score?


I know my credit score is horrible (540) and within the next 2 months most of the stuff will be taken care of on my credit report. What are dealerships looking for? I know they are loooking for people like me to make money with high rates on loans but what should mine be so they don't screw me?

Thanks!

Open Question: Do I have enough credit yet?


I've had my credit card for about six months now, I've had a debit card since I was sixteen (i'm now 20)... I have had an apartment for seven months now, and never missed a payment. I want to apply for a car loan. I just want a small loan--about three or four thousand dollars, but definately no more than four thousand. Will this be possible?

Also, is that "freecreditreport.com" thing any good? Will it show my credit history--what little I have? Is it reliable? Does it hurt my credit each time I try and check my credit?

I'm gonna try and get an auto loan through my bank (i'm a student and have a student visa through bank of america).

If I don't have enough credit yet, when will I? How long does it take to be "established?" And... last question, I promise... What is the best way to get established fast: use credit card alot and pay off alot, or, use it sparingly and little over time?

Thanks...

Open Question: my credit score is 672 what is my interest rate on an auto loan going to be?


in minnesota, I've been working at the same place for 3 years and I've never been fired. I have $500 left on loan for school and $500 left on auto loan. I want a used car

Technorati Tags: , , , , , , , , , , , ]]> Sat, 23 Feb 2008 03:09:25 GMT Open Question: Can I get an auto loan with bad credit? http://loan.sourcebyweb.com/auto-loan/Open-Question-Can-I-get-an-auto-loan-with-bad-credit.html

Open Question: Girlfriend stuck in bad auto loan. We did the research and they call it a 3rd Party Loan?


Loan prior to us meeting. We went to trade in the car to move up. Found out what kind of mess she had got in years ago. No dealer will take this car as a trade because she is a ghost on the loan. Some guy in some hole in the wall financed this car for her but actually he financed it through his bank. He gets a low rate and charges her a higher rate which I guess is all on the up and up but on the Title it shows the Finance place that she went through and his bank I assume. No dealership will take her car and pay it off as there is no guarentee that he will do so and send them the title. He also somehow wrote this deal up as a Lease. When questioned, he states that the car would be paid off way before the Lease expired??? What recourse does he have if we just turn over the car? This car doesn't even exist on her credit. She doesn't want to affect the co sighner she had when she got the car 4 years ago. Like I said, she doesn't exist to the Bank thats on the Title, just to the middle guy

Open Question: How do car loans work?


Im a student in college and i want a car but dont have enough money so i was thinking about an auto loan.

Open Question: Can I get an auto loan with bad credit?


I have found a car I want to buy....I need to get a loan for around $6,500...I have bad credit, is there any company that will give me a loan? I have tried several of them and have gotten shot down...help please???

Technorati Tags: , , , , , , , , , ]]> Sat, 23 Feb 2008 03:09:25 GMT Open Question: Filing seperately can my wife take the Mortage Tax credit on our state (CT) taxes if the loan is in my name? http://loan.sourcebyweb.com/auto-loan/Open-Question-Filing-seperately-can-my-wife-take-the-Mortage-Tax-credit-on-our-state-CT-taxes-if-the-loan-is-in-my-name.html
I have 22k in student loan debt, at 9% interest.
At this rate, I'll end up paying 35k+ [until the year 2017]...

However, I can pay off PART of it ($16k) NOW on a credit card, with a 3.99% FIXED rate APR, until the balnce is paid off. This credit card currently has a zero balance.
It will be set up as an AUTO-PAY (so I will NEVER be late w. any payments), and the 3.99% is FIXED RATE until the balance is paid off (for 4 years). <----- I called the CC comapny and got the details.

No matter how long it takes me to pay off this credit card, the APR will never go above 3.99%. {estimated time: 4+ years, vs. 9 w. the college loan}

I'll still have about $6k left to pay off on the student loan, BUT it will significantly REDUCE the INTEREST [$12k in interest] I will be paying on it.

Do you think this is a good idea? Bad idea ??
Why or why not ??
Thanks!

Open Question: can I insure my car even though my license is suspended and the car is not being driven?


My license was suspended because my insurance lapsed and I was involved in a fender bender. My lawyer is going to court to argue the case as I was hit in the back 6in. of one side of my car by the front of another car, but the cop said it was my fault. Until this goes through the court system I have no license because Sc will not let me drive unless I give them 3600 to hold on to and other stipulations. In the meantime my new auto company has cancelled my insurance because of the suspension. I still have a loan on my car. I want to know if there is any way I can insure the car even though I am not driving it.

Open Question: Has anyone ever heard of Percision Group, a lending company??


They are claiming to be a lending company that lends money to people with bad credit. But in order to get the loan you have to send them 10% of however much you want to borrow. To me it seems kind of shady. This company wants you to Western Union or Money Gram them the 10% fee and then they claim that they will auto-deposit your loan money in your account. Has anyone had any dealings with this company, and if so did Percision Group do what they said they would?? Their web site address is: http://percisiongroup.com/1.html

Open Question: Filing seperately can my wife take the Mortage Tax credit on our state (CT) taxes if the loan is in my name?


I'd like to take the auto property tax credit on my return and hopefully let her take the mortgage property tax credit. With the maximum credit allowed at $500 in CT, and us paying a lot more than that in taxes, we want to legally minimize the amount owed.

Technorati Tags: , , , , , , , , , , , , , , , , , ]]> Sat, 23 Feb 2008 03:09:25 GMT Resolved Question: I have 2 credit cards and one car loan total $35,000. Should I consolidate, home equity or personal loan.? http://loan.sourcebyweb.com/auto-loan/post-4100276.html Jon I would definitely be making the payments on time. Also, would it be possible to re-finance after say, a year or so to get him off of the loan even if I had to get a higher interest rate?

Resolved Question: I would like to take a trip someplace tropical, but should I take out a loan?


Most of my cash goes "toward the bills", but I'd like to take a cruise to Bermuda?

Questions?

1) Is it a big deal if I go alone? I organized a spring break trip in college 5 months in advance and everyone bailed. I'm seeing someone for the last month, but I think it's too early to ask her? I'm not planning to go until late May the earliest anyway.

2) Is there a way I can take out a loan where if I pay it back within two months it'll help my credit. I was thinking of like $1500 for everything, but what should I do?

3) I am paying on time for my auto and college loans. Should I be ok?

4) Is Norweigan a good line?

27 year old male, btw.

Thanks! One person is like 600 something dollars.....

but what kind of fees do they throw on top of it?

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Resolved Question: Anyone get approved for car loan from ebay?


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Resolved Question: I have 2 credit cards and one car loan total $35,000. Should I consolidate, home equity or personal loan.?


My intrist rate on the credit cards are 2 and 7 percent and 6 on the auto.

Technorati Tags: , , , , , , , , , , , , , , , , , , ]]> Sat, 23 Feb 2008 03:09:25 GMT Open Question: will settling an auto repossession improve my credit score rating? http://loan.sourcebyweb.com/auto-loan/Open-Question-will-settling-an-auto-repossession-improve-my-credit-score-rating.html

Open Question: I can no longer make my auto loan payments, can the finance company garnashis my wages?




Open Question: auto loan charged off?


my dads loan on his truck was charged off a couple of years ago. They refuse to come get the truck. Are the obligated to release the title and mail it to him so he can get rid of it? This happend to a friend of mine with a car and they just signed off on the title and mailed it to him. If so how do i get them to send it to him.

Resolved Question: i have too many credit inquiries in my credit history?


i want to apply for a new auto loan? what should i do? i have no co signers.

Open Question: will settling an auto repossession improve my credit score rating?


I live in California and my car was repossessed about 7 months ago. After talking to the auto loan company they offered to settle for $2,000. The original amount owed to them was $13,000. In the letter they sent to me with the settlement offer in writing it stated that upon receiving the $2,000 they would amend my credit report to reflect the settlement of this account. What does this mean to my credit rating? Will it help it any or not make too much of a difference?

Technorati Tags: , , , , , , , , , , ]]> Sat, 23 Feb 2008 03:09:25 GMT Resolved Question: Preparing for Auto Loan in future? http://loan.sourcebyweb.com/auto-loan/Resolved-Question-Preparing-for-Auto-Loan-in-future.html

Resolved Question: Preparing for Auto Loan in future?


I have just about paid off my car, and will want to buy a new car later in the year. My credit score is in the low 500's right now, and husbands is in low-mid 600's. I'm trying to pay off some of my credit card debt (I have 3 cards with about 2300.00 in debt), and our secured installment loans (have 4, at around 4000). We only like around 5 more months to have the installment loans paid off and the cc debt paid down (not off). I'm trying to do all this to have a better debt/income ratio. I think my vehicle will be worth around 4000 at trade in. We also have a mortgage (175,000) and another auto loan (24,000) and have established credit for 10 years. Bad thing is we have a bankruptcy that is 6 years old. What are my chances of getting an auto loan? I know that the interest rate will be higher than I'd like, but I just don't want to deal with the hassle at the car dealership and them trying to get me to buy a different car.... We make 75K per year. ADVICE PLEASE!

Technorati Tags: , , , , , , , ]]> Sat, 23 Feb 2008 03:09:25 GMT