does your job suck and make you hate life??

[Fondue]

I'm mildly afraid to do anything with money and looking for a house the last 6 months has only made me more inclined to neck myself

How people price literal trash so high is unbelievable to me

[Zetanio]

I don't believe you got rejected for a car if you were putting half the money down and you have a credit score of 819.

That's literally impossible.

[Arkanna]

True but getting to 850 is basically getting rich.

I'm 832, get at me dog

Actually it probably fell once I got my car but I was 832 before that

[tyven]

because I literally got rejected from getting a loan for HALF THE PRICE OF A CAR ( I PUT HALF THE FUCKING MONEY DOWN) no less than 10 times

feels good man getting a stack of rejection letters in the mail weeks later



800 credit score but "no credit history" beyond a single credit card I keep paid off that I've had since I was 18

I don't believe you got rejected for a car if you were putting half the money down and you have a credit score of 819.

That's literally impossible.

my guess is its a cheap car and no one wants to make a 5k loan.

Buying a car is one of the first equity/credit builders people get. try buying a car putting way less down and then just dump all your extra money on the principal. I'm surprised the dealership finance guys haven't walked you through this. Are you just lying on the internet?

[Zetanio]

Yeah, calling bullshit.

[Fondue]

Do most people buy a 60k bmw to build credit? Lol I do lie quite a bit on the Internet but I can timestamp it for you gays if you want

It's a humble red x4

[Zetanio]

If you had 30k cash and have 800 credit score you should have the car brah.

Did you shoot someone at the dealership?

[Fondue]

I do have the car lol the loan ended up going through bmw's bank but not before they tried 10 other places that all said no

[Zetanio]

I do have the car lol the loan ended up going through bmw's bank but not before they tried 10 other places that all said no

OH SHIT

Dude. You shoulda just gone private loans on that.

They were fuckin with you. Guaranteed.

What rate you get from those fucking con artists?

[Fondue]

OH SHIT

Dude. You shoulda just gone private loans on that.

They were fuckin with you. Guaranteed.

What rate you get from those fucking con artists?

I honestly didnt think it was gonna be that big of a fucking deal to get a half loan on a car so I didnt bother trying to get one outside of them, and I have no idea

its only a 2 year loan and i think im paying like 2k over the 30 or something

literally jews

I hate everyone who works in anything related to cars or car sales or car repairs or tires

[Fondue]

and even if they were fucking with me I kept getting letter after letter that said THANKS FOR THE INTEREST BUT YOU HAVE NO CREDIT HISTORY SO NO THANKS

[Zetanio]

No worries. That's some lame shit.

You're around 6.25% with that. Not a bad rate for a short term loan.

[Fondue]

I just looked at a bill and it's 37.46 interest a month so 900 bucks on top of 30k and some change so not bad imo

[Zetanio]

oh shit. nvm you got prime brah.

[tyven]

LOL IF THIS IS WHAT YOU HAD TO GO THROUGH TO GET A CAR JUST WAIT UNTIL YOU TRY TO COP A CRIB U R NOT READY FAM

[Fondue]

how do i become ready

[Demosthenes]

By buying your crib outright.

[Fondue]

probs not a bad idea but im not ready to live in a trailer yet either

[Demosthenes]

How much DO trailers go for anyway?

[Zetanio]

hey guys i'm friends with zalius now.