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Found 2 results

  1. I took all your advice and apped DCU. Approved for a car loan for 2.49. Great. I bought a new-to-me car exactly one month ago. Jan. 24th. Nice Volvo, 2011 with 40K miles.Everything was going well until last week when I heard a noise that was kinda scary, sounding like rubbing metal. It was loud, lasted for about 10 seconds. During that time, the gauges on the dash were all normal and the car felt fine. Then the noise stopped. Today, the same thing again. To me, it sounds like the sound you hear when the rotors are worn, but wouldn’t they have checked that before they sold me the car and put new brakes and rotors on? The car passed inspection! I’m really steamed about this. Can a car-savvy CBer tell me what recourse I have? I really did not expect to have to put new brakes/rotors on a quality used car that I’ve only had for one month! And it’s still under the dealer’s limited warranty but I believe that excludes brakes. The car’s only been driven about 700 miles, for goodness sakes, and about 200 of that was driving the car back home from where I bought it in Jersey. And I’m saying brakes/rotors because that’s what it sounds like to me. I guess it could be much worse? What do I do? What can I say to the dealer to get them to take care of this – or am I SOL? That would suck. Your advice is appreciated and desperately needed. Thanks so much.
  2. roke down and I decided to get a used truck that stickered for about $9k. After tax and license, it's like $10k. So after a $3k down payment. the only place that would give me a loan wants to charge me 24.9% APR! AND I need full coverage which is $100 more per month. My credit score is 531 on TU. Other than school loans, I have nothing really on there. (All bad debt from when I was young dropped off). Also, I just got a $70K job this past year that allows me to start rebuilding my credit. But, I'm not sure if this is a good a way to start. I dont' have very much expenses. Just a phone bill, car insurance, and student loan payments. Plus I also do freelance web design on the side for extra income. If I wanted to, I could pay off this loan in about 3 months semi-comfortably. However, I can't tell if that's a horrible idea or not. I could also pay most of it up front, then pay it through 12 months. Maybe a better idea? Other info: They want to charge me $750 fee (which they added on to the loan amount) for being a risky "financier" I've been shopping around A LOT for a month and a half and found this is a good price for the truck I want - low miles, reliable model, in my price range I've never had a car in my own name and I guess they looked at that when trying to finance me. I plan on getting a secured credit card. If I DO plan on getting this truck, should I just pay off the loan in three months? Or should I pay it off in a year to attempt to improve my credit score for when I want to get a car I really want down the line? There's so many variables in play, I can't figure it out! Thanks in advance.
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