All Questions
41
questions
57
votes
12
answers
28k
views
Should I pay off a 0% car loan?
I'm ahead on 0% interest car loan. I don't have to make a payment until October. I currently owe $3,000 and I could pay it all off. Should I do that or leave that money in my savings account that ...
- 571
5
votes
2
answers
2k
views
What can I do about recovering a vehicle that I co-signed for on a personal loan?
I took out a personal loan with my ex-boyfriend to buy him a truck (I know, I'm stupid). I am the primary on the loan because I had the better credit score so it lowered the interest rate.
We are 8 ...
- 51
0
votes
2
answers
4k
views
Can I change my loan term from 60 to 36 months?
I am on a 60 months plan with USCCU and now they are offering APR rate of 1.36% for 36 months on used and new vehicles as shown here. Is it a good idea to change my loan term from 60 to 36 months ...
- 405
5
votes
2
answers
4k
views
How do I sell a car that was purchased with a loan?
I bought a car earlier this year, and I have been making payments on it regularly for about 7 months. However, I want to sell the car to a private party and buy a cheaper car paying cash in full. The ...
- 1,027
1
vote
1
answer
141
views
Auto/car loan or mortgage applications and consolidated hard pulls
I heard on the radio recently that if one applies for an automobile loan or a home mortgage, multiple loan applications show up as one hard pull on your credit report. Is there a time period where all ...
- 957
3
votes
1
answer
5k
views
Will be getting a car loan with my folks as the primary account holder. Can the car be titled to me?
I am currently saving, and waiting until I have about $10,000 to put down on a car, and then I will be make a fairly large purchase on a car (around $28,000 Subaru WRX).
I am 23 years old now, but ...
- 141
3
votes
3
answers
959
views
Building Credit for a Young Person with No Credit
I don't have any credit established but I'm a computer programmer and I make pretty good money. I'm 21 and I would like to buy a new car. I can't get a loan because I don't have any credit and I've ...
- 215
2
votes
1
answer
1k
views
Why can I refinance my recent car loan at a lower rate than I had received originally?
I just purchased a new car a month ago at 3.2% APR. This was the best rate I could get at the time.
I currently have an offer from a bank to refinance at 2.25% APR. For a $25k auto loan, this ...
- 895
14
votes
4
answers
1k
views
Did my salesman damage my credit? What can I do?
I am in the process of purchasing a new truck. A few months ago I put a $500 security deposit down on a truck. I was told that the truck was at a neighboring dealership and that it would take 2-5 days ...
- 895
10
votes
1
answer
8k
views
Why are my auto loan payments calculated differently than my mortgage payments?
Last year I got a home loan that follows the standard Rule of 78s amortization schedule. I can easily predict how much of my mortgage payment will go to interest and how much to principal.
A few ...
- 295
3
votes
3
answers
257
views
Will I incur late fees, now that I am making infrequent/late payments on my auto loan?
I have been unemployed for 6 months now. I have been making infrequent payments on my auto loan. I am suppose to be paid up in May of 2012. My lien holder never sends me my balances or a bill, so I ...
- 31