^you should read this guy's threads in Chit Chat. Not to mention this is his 3rd car b/c he crashed his first two white drunk.

7/20/2009 8:02:33 PM

Quote :

" white drunk. "

better than black drunk, amirite?

7/20/2009 8:04:34 PM

^^again, wrong info.

something i sent in a pm to all the ppl talking about paying outright for a car:

Quote :

"yeah i'm just gonna try to do that i think. i need something i can make payments on. i dont get why the people in that thread dont realize this. plus i could get something better"

[Edited on July 20, 2009 at 8:19 PM. Reason : .]

7/20/2009 8:07:03 PM

you shoulda bought my old civic.

97 4 door, ac, cruise, sold it for a G.

ran on 3 cylinders

7/20/2009 8:19:22 PM

right now my prospects are a saturn another coworker has, or getting a honda

7/20/2009 8:20:05 PM

lol, white drunk. whoops.

And whatever man, its well known you were drunk.

7/20/2009 8:36:51 PM

he wasn't drunk when he wrecked the first one (green accord, iirc)

7/20/2009 8:37:23 PM

i too have made statements on tww that were facetious

7/20/2009 8:40:14 PM

so was i correct?

7/20/2009 8:42:41 PM

fif

[Edited on July 20, 2009 at 8:46 PM. Reason : bastard edited!]

7/20/2009 8:43:48 PM

DA FIF

[Edited on July 20, 2009 at 8:48 PM. Reason : \/ BETTER?]

7/20/2009 8:44:24 PM

why didnt you ppl tell me i could get a loan and still go to someone off craigslist?

[Edited on July 20, 2009 at 8:59 PM. Reason : damn...]

7/20/2009 8:46:35 PM

wait, wut?

how the fuck did you expect it to be?

7/20/2009 9:06:48 PM

lol i just gave dnl a crash course in loans via PM

this will probably end bad...

7/20/2009 9:13:11 PM

^^i thought you could only get loans for cars if you bought them at a dealership. thats why i thought ppl had car payments and what not etc. like i know anything about loans

7/20/2009 9:15:51 PM

you are a fucking retard

you don't need to own a vehicle

7/20/2009 10:29:49 PM

who let walter out of chit chat?

7/20/2009 10:33:28 PM

josh


who let you out of CC?

7/20/2009 10:36:11 PM

Quote :

"why didnt you ppl tell me i could get a loan and still go to someone off craigslist? "

good luck getting a loan at a bank for a car. most banks are lookin for a 680 or close to it, to give you a loan.

7/20/2009 11:10:41 PM

got 769 last time i checked

7/21/2009 12:17:14 AM

I dont' think anyone in here believes that.

[Edited on July 21, 2009 at 10:14 AM. Reason : not SAT score]

7/21/2009 10:13:56 AM

the problem is gonna be that they hate lending money for older cars. and I'm not really sure how much income you have/can prove so that will obviously matter too..credit score alone won't get you a loan these days. dealerships have some shady as shit financing that can get just about anybody approved but you pay for it in the long run

7/21/2009 10:22:40 AM

Quote :

"credit score alone won't get you a loan these days."

Tell me about it. Credit Union said, "Oh, with a score like yours, you can get any car you want financed up to $35k." I come back with a 2007 Lotus Elise (this was in late 2008). They said, "eh, anything but that..." I come back with a 2004 z06. "eh... try something more 'practicle'" WTF... YOU SAID ANY CAR >_<

after 6 more months of this payment crap, I should have enough credit history to truely get wtf ever I want

[/rant]

7/21/2009 10:41:37 AM

It being an older car isn't necessarily a problem. I'm sure it varies from bank to bank, but where I go (SECU) they told me that the only age restriction is you can do up to 60 months on a car less than 5 years old, up to 48 on anything older. Other than that, as long as the amount you're trying to finance is within 110% of blue book value, you're good. Assuming you're approved of course.

7/21/2009 10:54:09 AM

Quote :

"the problem is gonna be that they hate lending money for older cars"

No bank is gonna give you a $2000 car loan. It'll be a personal loan and it won't matter if it's for an older car.

[Edited on July 21, 2009 at 12:57 PM. Reason : By "no bank", I mean "SECU"]

7/21/2009 12:54:43 PM

yahoo and autotrader suck balls

? (test)

http://motors.shop.ebay.com/items/Cars-Trucks_?Body%2520Type=Sedan&Make=Honda&Model%2520Year=1994|1993|1992|1991|1990&Transmission=Automatic&_dmpt=US_Cars_Trucks&_fln=1&_flso=0&_fpos=27606&_fspt=0&_myi=1994%2C1993%2C1992%2C1991%2C1990&_qfkw=1&_sacat=6001&_sc=1&_sop=1&_ssov=1&_trksid=p4506.c0.m282

test

[Edited on July 21, 2009 at 9:22 PM. Reason : link]

7/21/2009 9:15:33 PM

I dont feel like reading through all this bullshit... do you have a car yet or no?
If no, send me a PM. With your luck with cars you do NOT need to get a loan. PERIOD.
Then you will end up still owing on the last car and need another one... bad idea.

7/21/2009 10:23:49 PM

before i send the pm i'd just like to say i don't owe anything on any cars right now

7/21/2009 10:25:55 PM

i've tried to explain to him why a loan is a bad idea and he doesn't seem to get it

[Edited on July 21, 2009 at 10:29 PM. Reason : srsly man, at your age you should have a few grand saved up for emergencies like this]

7/21/2009 10:28:24 PM

well and roth iras eat up all that extra cash

7/21/2009 10:31:43 PM

you have roth iras, but you don't have a couple thousand in a savings account for shit like this?

you deserve to walk, son. i hate to say it.

[Edited on July 21, 2009 at 10:39 PM. Reason : really dude, that's just plain stupid as fuck]

7/21/2009 10:38:00 PM

if you only knew all the facts. then it would all make sense!



[Edited on July 22, 2009 at 12:36 AM. Reason : .]

7/22/2009 12:35:26 AM

FACT: dnl doesn't know how to save a damn cent unless it's auto deducted from his account into an IRA where he can't touch it.

7/22/2009 3:53:48 AM

please share the details because i can't imagine a situation in which it'd be a good idea to put all the money i saved into roth iras and not have some money liquid for shit like this.

7/22/2009 7:39:13 AM

what in the fuck is wrong with you? just buy a damn < $2000 honda off of fucking craigslist and be done with it. seriously, why the hell do you want to get into debt for some stupid shit like this? an older honda will be everything you need and be at the price you can pay right now. you'll thank me 6 months from now when you don't have a job or some shit and wouldnt be able to make a car payment.

7/22/2009 8:12:56 AM

i have told him just that^ several times now and i don't guess he gets it

[Edited on July 22, 2009 at 8:17 AM. Reason : biggest problem is he doesn't even have $2k to do that with]

7/22/2009 8:17:36 AM

Get a bicycle, ride the bus, walk, whatever

Save money

Buy a car

Shut up

7/22/2009 9:13:41 AM

so i'm probably buying some saturn thats a manual

7/22/2009 12:53:41 PM

so i love my car now. my coworker says it shifts better than his civic. he told me to make sure i don't "pop the clutch"

7/24/2009 7:56:18 PM

year/ model? price paid?

7/24/2009 8:00:24 PM

who wants to place bets on how long this piece of shit lasts?

7/24/2009 8:36:05 PM

2 days until a problem is apparent. 11 days before catastrophic engine failure.

7/24/2009 8:42:49 PM

96 saturn sc1 for 600 dollar bux

[Edited on July 24, 2009 at 8:43 PM. Reason : its a manual]

[Edited on July 24, 2009 at 8:49 PM. Reason : prolly shouldnt put that line]

7/24/2009 8:42:55 PM

I have a 97 saturn SL2, and it's awesome.

But if you got one for 600 dollars, it's got something seriously fucking wrong with it. My guess is the engine is burning oil like crazy and you're gonna have catastrophic failure in the next 5-10k miles.

7/24/2009 9:10:38 PM

i got the "friend" price. woulda went on cl for at least a grand probably.

[Edited on July 24, 2009 at 9:15 PM. Reason : the person paid 600 for it and put about a grand of work into it. so i thought 600 was good]

7/24/2009 9:12:34 PM

if they wanted it gone bad enough to throw away a grand just to get rid of it then something is fucking wrong.

7/24/2009 10:05:55 PM

Quote :

"It being an older car isn't necessarily a problem. I'm sure it varies from bank to bank, but where I go (SECU) they told me that the only age restriction is you can do up to 60 months on a car less than 5 years old, up to 48 on anything older. Other than that, as long as the amount you're trying to finance is within 110% of blue book value, you're good. Assuming you're approved of course."

yep. plus, secu has some special "basic transportation" (or something) program specifically for financially challenged people that need a loan for an older/cheap vehicle. you have to prove you don't own any other vehicles and only have income/assets within a certain limit. iirc, the interest rate is a little higher than normal, but still WAY better than the screwing you'd take purchasing such a vehicle through some shady used car dealer.

7/24/2009 10:25:13 PM

was kinda fun driving it around kmart today

[Edited on July 25, 2009 at 12:00 AM. Reason : .]

7/24/2009 11:43:36 PM

first gear is like tricky or something wtf

7/25/2009 4:33:08 AM

the only bad thing about secu is that they don't report to the 2 major credit reporting agencies, so if you are hoping that the perfect payment history will help you... it doesn't

7/25/2009 7:32:35 AM