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Here's my situation:
I've been looking for a car for a little over a month now.
I've summited my credit app like 7 different times in 8 different dealers. (big msitake I know)
Recently I've managed to save up 7000 for a down payment because 3k wasn't doign it.
And I was close to fully buying a Toyata Tacoma 05 37K miles V6 prerunner (which is what i want) for 16,000.
I even drove it off the lot and was satisfied I finally got a decent car for the first time but then they called me 2 days later and told me that my credit app was not approved because they found otu that I was working for a Temp Agency. Which is stupid cuz almost everyone here works though the same temp agency and some peopel have been here for years.
Anyways originally I paid 7000 down with 257 a month for 60 month payments and I was pretty happy with this. The finicing company is called Amei Corps or something. An anylist looked by my app and decided I wasn't good enough. I think they said 15% interest with a 1,500 initial fee.
Now they are saying i need to pay 7000 grand down with 370 a month for 48 months though this other finicing company called Neighbors. They are sayign its costing extra because because Ill have a 3 year warranty which I need to have. Iam guessing theya re charging 3-4,000 for the initial fee. The finial manager told me he cant do any better.
I have bad credit or almsot no credit but am I gettign screwed over here? And is there a good chance of me getting a better payment plan after a year of payign off this truck?
Iam goign back this evening and try to battle it out. Some advice would be helpful. The dealers here aren't pushy and dont get all emotional when you tell them you'll think about it. they're just straight forward and seem friendly and easy going.
I've been looking for a car for a little over a month now.
I've summited my credit app like 7 different times in 8 different dealers. (big msitake I know)
Recently I've managed to save up 7000 for a down payment because 3k wasn't doign it.
And I was close to fully buying a Toyata Tacoma 05 37K miles V6 prerunner (which is what i want) for 16,000.
I even drove it off the lot and was satisfied I finally got a decent car for the first time but then they called me 2 days later and told me that my credit app was not approved because they found otu that I was working for a Temp Agency. Which is stupid cuz almost everyone here works though the same temp agency and some peopel have been here for years.
Anyways originally I paid 7000 down with 257 a month for 60 month payments and I was pretty happy with this. The finicing company is called Amei Corps or something. An anylist looked by my app and decided I wasn't good enough. I think they said 15% interest with a 1,500 initial fee.
Now they are saying i need to pay 7000 grand down with 370 a month for 48 months though this other finicing company called Neighbors. They are sayign its costing extra because because Ill have a 3 year warranty which I need to have. Iam guessing theya re charging 3-4,000 for the initial fee. The finial manager told me he cant do any better.
I have bad credit or almsot no credit but am I gettign screwed over here? And is there a good chance of me getting a better payment plan after a year of payign off this truck?
Iam goign back this evening and try to battle it out. Some advice would be helpful. The dealers here aren't pushy and dont get all emotional when you tell them you'll think about it. they're just straight forward and seem friendly and easy going.
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