Question:
I am looking to get a car loan for about $30,000 and my job does not start for a month. I just finished grad school and have a letter of employment that states my start date and salary of $140,000. My credit score is above 700.
Is there anywhere that I could get this loan? I know that there is college graduate financing at many dealers, but will the rates be too high? Will my bank help me out?
Answers:
I seriously do not know of one good reputable place that will take you (with a good rate) if you don't start your job for another month. And if they do, you will have to put a huge down payment down.
You might be lucky because you have a letter of employement.
The very best place to go is a credit union or your bank, because the car dealerships will *** rape you into a HUGE interest rate.
Good luck!!
Auto finance is what I do for a living and you should not have a problem.
I have been through this with customers several times and it's not a big deal if your credit is good.
I would try your own personal bank or credit union first.
go to your bank for the loan with all your paperwork it should not a problem. The amount of 30K could be depending on your past credit history
Auto finance--they'll figure out a way (at the car dealer). At a bank, maybe more difficult--bring letter of employment.
My friend, you will not have a problem. Others have mentioned going to your banking institution - with whom you have a financial relationship. I also think this is the way to go. But, if your a good haggler, you may have some luck right at the dealership. My husband got an incredible lease with a hard purchase price (a good one) after five years.
The only thing about the dealership is you have to walk out if they're not willing to play ball - also, go at the end of the month.
Congratulations on your fantastic salary - it sounds like lending institutions would be more than willing to loan you 20% of your annual salary (especially with your credit).
I dont have the best of credit, well in fact its kinda bad, but I was able to get car loan since I do have a job which is mainly what this place cared most about for me. They are one of these places that have multiple sources and they say like 99 percent approved. So I would give this site a try.
http://thnlnk.com/deal4-you/auto.loans/0...
Good luck.
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