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cten07

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  1. Any one know which bureaus Chrysler and Hyundai pull in Florida?
  2. Shortening the term will not lower the rate but I could pay extra each month to shorten it when possible.
  3. I am able to refi the car now with CapOne @9.86 going from 13.4. I guess the LTV works for them. My back has been fine in the car lately so I will definitely keep it and just refi it again when possible. I have 60 more payments to go and I am doing a 60mo refi and not a 72mo one. Makes me feel better about purchasing a Toyota
  4. Hopefully my back can afford to keep this car as the seats are not very comfortable. I am starting to think if I am going to be buried upside down in a vehicle for a long long time I may as well be more comfortable doing so.
  5. What I just showed you is an auction list for what a dealer can purchase a similar auto for. The vehicle would normally retail for a higher figure than represented above. Thank you for the info
  6. Any chance of getting NADA clean trade which is 14,450?
  7. I just contacted DCU and they told me 120% NADA retail value which is not doable at the moment but would be towards year end.
  8. So much for "great" Toyota resale value.
  9. If you could reduce your int rate from 13.4 to 8.1 by doing another negative equity deal, would you? I could purchase a 2018 Jeep Renegade or other FCA product and get 8.10 int rate despite a crazy neg equity roll in. The Corolla may not refinanciable ever unless I pay extra on it per month,.
  10. Car is 2018 Toyota Corolla LE 18,600 miles, Loan Balance 21.5K, int rate 13.4, payment is 484/mo. Had negative roll at purchase of 4,500 which is why I currently owe 21.5K on it. Credit score notwithstanding, at what point based on LTV would I be able to refinance, if ever, without making extra principal payments. I am aware of 120% LTV possibility, but 120% of retail or trade value for refinance purposes? Thanks.
  11. I just purchased a 2018 Toyota Corolla(love it!!) using Springboard auto.com; rate was 13.6%, scores low to mid 500's, 4K neg equity. Dealer kept trying to convince me it would be better to use Americredit through them at 15.0% or so and have "GAP plus" instead of just regular GAP and also so I can "automatically"(?) after 10 on-time payments be put into a lower int rate loan in the single digits(Conquest or Loyalty program). Oh for only an extra 30 bucks per month you will be "in with Americredit/Toyota through us" and be eligible for either conquest or loyalty program. Made no sense to me, math did not add up, never heard of GAP plus, so I held my ground with my head spinning at that point, used Springboard, no extras through dealer, only GAP through Springboard and got out of there. Anyone ever here of Conquest/Loyalty program being pushed when closing on a car; bought 4 other new cars in past 15 years and never heard of any of this except regular GAP ins. I understand dealers trying to make a profit on your loan but in the past if dealer beat rate I went with them if not i used my financing and it was all straightforward.

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