Financing Used Car

What companies offer 72, 84, 96, 108, 120 or 144 month car financing for used autos? I have excellent credit and am evaluating my options for financing a car. Ideally the loan would be for 100% of the purchase. This is for a used car. I have found many credit unions, but they have very strict membership requirements. Google'ing for it, only brings up articles/blogs about people complaining about what a bad idea it is. I need actual companies and their contact information. I want to research the various programs offered by these lenders. Do not lecture me about long-term car loans being a bad idea.

When financing a used car, and applying to register it, do I need the title or is it held by the lender? I just bought a used car, and financed it through a credit union. Next, I need to get the license plates. I do not have the title, but I do have the "Application for Title." Does the credit union hold onto the title until I've paid off the loan, or do I need to somehow get the title in order to get my plates? I am in Missouri.

Down Payment when buying a used car and financing through a bank? When you finance a used car through a bank or credit union, do you stil have to make a down payment or does the bank cover that?

Question About Financing a used car from a dealer, and receiving financial aid? My sister and I are in desperate need of a good car that won't keep breaking down, and we're wondering if we finance a used car through a dealership ( car costs $9800), and having it put in both of our names. Would that affect how my financial aid we get and how much of a refund we get? Because we need our financial aid to cover are housing, books etc... and couldn't afford to have it lowered. I was wondering if anyone has encountered this problem or has any advice? Thanks so much!

Financing a used car with cosigner but no job? Ok i'm looking to get a used car max price 12k and i have 4k for down payment. I work in cash jobs and don;t really have anything to show what i make etc...But i have an co-signer will that be ok or will i still need my proof? Also someone told me about a structured lease like financing where u pay monthly and at the end the car is yours with no buyout.

Is financing a used car a good idea for a first car? I'm 16, i have my license but not a car. what i wanna know is if it is a better idea save up and buy a used car in cash for around $3k? or is it a better idea to finance a used car thats worth about $10k-15k?

What is the average used car financing percentage? I am just trying to calculate how much it would cost me to finance a car. I have good, not excellent credit. Down payment will be anywhere from 10% to 20% of the car price.

How do I go about financing a used car? I need about $7000 and I have poor credit due to a family member screwing me over. What do I do? Can I still get liability insurance on a used car or do I have to have full coverage like a new car? How much does insurance cost on a used vehicle? Do I HAVE to have full coverage or can I just get by with liability??

Financing a used car when I already have a financed car.......? I am currently financing a car that I HATE. It is awful- everything goes wrong with it and it's not very safe. I don't have a lot of money, I have bad credit and I would only be able to get half of what I owe on it for a trade-in. Is there anything I can do?

Financing a used car from a dealership? Is the interest you would accumulate for that loan period tact on all at once or would it be tact on month to month like a credit card? Reason I ask is if you can get a lower total cost using a bargaining tool such as "financing" with the dealer, would it be wise to finance the car then immediately pay it off instead of bargaining with cash in order to get the lower cost possible on the vehicle?

What are pro's, con's and differences between getting an auto loan or financing on a used car? I wonder because I really wanna get a car very shortly, but i know financing requires down payment, but then i thought, if i get a loan, am i able to get that used car without paying a down payment and start paying on a installment right away.

What's the difference between in house financing, and dealer financing, when buying a used car? What are the differences between in house financing, and dealer financing, when buying a used car? In house financing VS. dealer financing VS. buy here pay here? Is there a difference between these? If so, what are the differences? Thanks in advance!

Financing on a used car, no established credit, where do I start? I'm 19, I have no credit, and I'm buying a used car. No more than 6k. How do I finance one? Would it be better to get a loan from my bank? Are you supposed to get pre approved or something? Please help I'm lost!! Thanks.

How would I go about financing a car? New or used? I want to finance a new or used car, not lease. And I was wondering how I would go about doing that. What do I ask etc? How much do I need for a down payment?

How much is usually expected for a down payment when financing a used car from a dealership? I'm from Minnesota by the way, incase it matters.

how does financing for a used car work? I'm trying to get a car a newer used car. I was approved through a financing company. How does that work?

i am prchasing a used vehicle for $7500 i was going to use normal used car financing? I got a credit card check from my credit card company offering me 4.99% financing on whatever i purchase with it till bal paid. Is this a better way to go? Is there anything I need to be wary of.

How do used car lots get the financing to buy their cars? Is it on a 90 day note or something? I'm thinking of opening a used car lot with a twist and I have great credit but to put together a business plan I need to know what kind of financing I will be able to get to find out how much start-up capital I will need

My credit isnt established yet so what is a good financing rate for buying a used car? I am 19 and i want to buy my first used car. The car i want to buy is about 12000. I plan on putting 2 thousand down and i was wondering what kind of apr i should get with the car only being financed for 10000, with my new credit in mind? Also i do have a source of income. I make about 2000 a month

where is the best place to get used car financing? I have been looking around on the internet but i can't understand were the best place or the best interest rates are. please help me if you have some good advice. THANKS

Can I decline interest rate on financing and return used car? I bought a car last Saturday and the financing hasn't gone through yet. They said the interest rate would be around 9% since I'm a first time buyer. Can I decline whatever interest rate their bank offers me and return the car? I bought it "As Is."

Is there any way to get financing for a used car without a cosigner? Looking for financing on something no lesser than 5000.Also,I hear a buy here pay here is good for first time buyers?Do you need a cosigner for those lots as well?

I want to buy a used car, what is the best way to go about financing it? My fiance and I are planning to buy a new car because we are both having numerous car problems with our old cars. We are not against getting a brand new car but the used prices are obviously easier for us. What is the best way to finance a car. We will have around 3500 for a down payment, but we need to know how to get the rest of the money. Banks? do car dealerships finance? thanks

what should i expect when i am financing a used car..? so i am financing a used car, it only costs 2000 but i am putting no down payment. what will i have to pay for when i go to get it ? just tax ?

Financing used car with bad credit? I want to buy a used car but have no downpayment and bad credit. I'm not prepared because my engine just got damaged in the car I have now and there's no point in spending all that money on the old car when it would be about the same to get a new one. Is it possible for me to get a $10,000 used car financed without having a huge monthly payment? By huge, I mean over $200. I can't afford more than that right now. Or do I have to get a cosigner?

How does financing work if I exchange a used car? I bought a used car recently but it has had nothing but problems. The dealer seems to be open to exchanging the car I purchased with another one from their lot. However, I wanted to know how financing would work. Can they just amend a certain amount to the contract I current have? Will the second financing pay out the first one? Seriously I have no clue here so any help is appreciated.

Financing a used car with 0 credit.......? I'm 18 years old, and i never own nor used a credit card in my life. So, i'm planning to purchase a used 14,000 dollar certified car with financing. Will i be able to get finance without a credit score? If not, what other ways can i do to be able to qualify for finance?

is it better to give back a leased car or let it be repo'd? (in-house financing for used cars)? so i've had this vehicle for more than a year, leased it at an in-house financing used car lot. i put $1000 down and the car was being sold for $7,500 (it was originally being sold for $12,000, but we got a deal b/c my husband was friends with the owner). after the financing and everything, it came to just over $11,000. i've been paying $450/mo for 18 months....that's $8,100. so i should only owe about $4,000. but they're saying that we still owe over $7,000. my husband got so mad, b/c the vehicle keeps breaking down and they're not honouring the warrantee for covering things. his business partner keeps saying that a friend of his had his car repo'd and there was some damage to the car, and the dealership couldn't do anything b/c they repo'd the car (but if he would've brought the car back on his own, they would've been able to ding him for the damage). i'm just wondering if this is true. we live in bc canada, btw.

I'm financing my car but with the economy I want out is there anyway out so I can just purchase a used car? I'm crowing in bills I have been financing my car for 3 years and still owe about 18,000 with the drop of the economy making my payments have become difficult. Is there a way for me to getvout of this and just purchase me a used car and stop making monthly payments. Can I sell the car without having the tittle. Help me please

I am trying to get auto financing on a used car to replace one with maintenance issues. My husband and I are? in credit counseling and are in a debt management program. We are making payments on time with no problems and have a reference letter from the counseling agency to present to financing departments. We have been turned down for financing by our credit union because of the DMP. Will a dealer be more likely to look at a DMP as a positive? Will we be able to get financed at a dealer w/o the "buy here pay here" ?

Does anyone know where you can get financing for a used car. The car is a 1996 model.? The bank said they would have to do a personal loan and my credit isnt very good. I need help finding a way to finance this car. I have $1500 and the seller is asking for $6500.

private party, used car financing question? I just pulled all 3 credit reports. My Equifax FICO is 675. I already have a car loan, 36 month loan, $269 monthly, with 10 months remaining. Revolving credit is fine... any lenders that you know of that can provide used car financing for private party sales?

Do i have to have collision insurance for a financed used car? My coworker told me that I would have to have "collision insurance" if I want to financed a used or new car. Is this True? Can I just put it on liability even if the car us only 6000 and not payed off yet?

Used Car Financing Question? I want to finance a used car because I don't have all the money to buy a car outright. I tried to finance a car at a dealership and the car cost about $9000 after taxes,registration,etc. I had a cosigner(my stepmom) which lives in VA. They denied me because the car had more than 90k miles, stepmom lives in VA, and I just started my recent job I guess(thats what they told my father). They wanted $3600(I initially wanted to put down $2000) and then they could do it. The car I am looking at now is only $7000. I would put down about $2100 down payment. 1 has only 75k on it and the other has 97k I believe and they both are '97 Acura CL. Do you think I will get denied again on either car. Thanks to anyone who replies.

what are laws when financing a used car that is illegial for the dealer to do? please answer my past recent questions

How do I get financing for a used car if I have a repo on my credit?

How much would the financing be for a $6000 used car? im looking to uy a used car. i found one that is around $6000 and they said that i would need to finance it. I dont really know what that means but i wanted to know if i finance it how much would it be per month? and i would put about $2000 down payment

Is used car financing a rip-off? I have a credit score of about 630, what interest rate can I expect from the large auto dealer in my area which boasts of having 50 lenders? I am reluctant to get involved but it is time for a new car and I don't have anything substantial to put down on one, and I don't want to buy a $1000 car anymore.

When financing a used car in another persons name how long would it take to transfer to mine (my sis)?

Is it better to finance a used car through a bank or through a dealer? Which is the best way to finance a used car -- through a bank or through a dealer? Will you get a better interest rate going directly through a bank? Will the dealer give as good of a deal if he does not get a cut on the financing?

What are the best financing options for buying a used car? I'm interested in buying a used car and my credit is pretty good. I'm considering the following options: • credit union • bank • online lender Among those choices which one do you recommend? And are there any particular companies that are worth considering?

Is Financing A used car like leasing? If you finance a 1998 BMW 318i Sedan selling for $5,995 (105k miles) with a down payment of $500-$1000 and a interest rate of 6.7% for 60 months, Is the 60 month agreement going to lock you into a contract? Like leasing, can you still sell it during the 60 months?

what happen if you trade in new financed car for used car at much lower price? I own $14K on my financed new car, and I want to trade it in for a used car worth $7K. How would that work? The market price of my car now is $11K. If I pay down my loan so that what I own on the car is what it is worth on the market, does that equal it out? Then I only have to worry about the new old car financed.

financing a used car.....where to begin? Hypothetically, if I wanted to finance a 2002 Honda Accord, and have perfect credit. How much of a down payment will I have to pay? and what would be your estimate of monthly payments? Im not asking specifically for this car, I just want a outline of what i should expect of myself by the end of next summer, when I would like to finance a used car.

How much can I expect the Lexus dealer to come down off a $30,000 used car? Which blue book value should I expect to pay. Are the prices extra soft? Are the dealers extra motivated. It seems like the way to go-Lexus gives new car financing on used cars, and they warrant, detail and discount these cars.

financing for a used car in us? im an international student studying in canada and i want to buy a used car in the us, can i do financing even though i have no credits or expenditure in the us?

What is the interest rate of financing a car? What is the interest rate for financing a NEW car with good credit(680) for 36 months? And for 60 months? ive been looking all over the place and i cant figure it out. And another thing What is the interest rate for financing a USED car for 36 months? and for 60 months? Please and thanks oh and if it matters at all, i live in Los Angeles, California.

I am buying a used car from an individual in tx. B of A is financing for me they say 12% sales tax. yes? or no to write a little more...we are purchasing a car from an individual in texas we are using bank of america finance to finance the car for us. They first said 6.25% sales tax. Now she says the formula is asking for 12% sales tax because we are buying from an individual. Is the acurate?

Used Car Financing Question! I Need Help!? hey guys, if anyone knows about financing please i need your help. My sister is trying to get a car, a 3-series sedan and the vehicle costs about 23,000. The guy at the used car dealership said that with a co-signer, who she has, my dad. My dad has about 780+ credit score and he wants to put $5,000 down. The guy said with a 72 month payment plan it will be 12% interest rate. Doesnt that sound alittle too high? even with my dad co-signing for her. Btw we live in CA if that helps.

I bought a used car with financing via 3rd party company by the dealership. Yesterday I received theTitle.? Three weeks bought a used car with financing via 3rd party company by the dealership. Yesterday I received the Title, my loan information and an information sheet from the previous owner. I believe the dealership meant the Title and previous owner information to go to the financing company.. I know what I should do.. but can I keep the the Title??

Financing a Used car? Okay..i've decided i've wanted to finance a used car. After being denied about a dozen times for an auto loan through banks, it looks like i'm going to have to finance through a dealership. I really don't know If i'll even be approved for financing. I'm young (20) and have limited credit history; thats why banks have denied me. Can i be financed, and is 500 dollars enough for a down payment? I'm looking to get a car around $8,000. What should i do? Okay now what about a new car?

Can anyone explain by example how to calculate the financing when purchasing a used car? by the way i got bad credit so an example with a high interest rate would be appreciated?

Can I buy a car using financing from the dealer and export the car ? To clarify my question: I am buying the car and the title is on my name (when you use financing the title is on your name and you can sell the car next day if you want), so I am the owner. And I decide to go for a six month vacation to Europe, and I want to take my car with me? Where is the problem here ? Hi guys! I shipped the car last night! Keep up the good work giving wrong answers!

Do I have to put full coverage on the insurance, if I finance a used car? Hey i'm planning on financing a used car and was wondering if i have to put full coverage on the insurance. It's going to be a 2003 Aura RSX, any help I can get i would really appreciate it. Thankyou

Bought a Used car 16 days ago and the financing fell through, what options do I have? Signed a contract, thought the financing was good, turns out the finance company now does not want to finance us after verifying employment and finances. Dealership called and wants the car back or more down. We do not have more to put down, what can we do?

Does financing a used car through any place build your credit? i'm just starting to build my credit. i have a store credit card and a regular visa credit card. i'm not too familiar with credit and what goes on your report but about a year and a half ago I financed a car through a little used car lot because i didn't have credit so no one would approve me. It was financed through mid atlantic finance or something like that. i was wondering if this goes on my credit report and raises my credit score. also does it raise your chances of getting approved for a new car when dealers see that you've paid off a car before? it wasn't that expensive (about 4500) but does it still look good?

In what range would my interest rate most likely be for financing a 30k used car? My credit score is......? My Experian is 634, Equifax 627, and Trans is 620. I have a few late payments that are on my credit report, most recent late payment was in Jan 07. Prior to this the latest late paymt was on Aug 06. I have a secured credit card $200 limit which I use every month and always pay it off at the end of month. A Macys card with a $300 limit with zero balance which I also use often and pay it off at the end of the month. I have two installment loans one for $241 a month which I still owe $4000 on, and one for $93 monthly for $2000 which I still owe $1700 (just opened it). I also have a student loan which I owe about $3000 and pay $50 every month. I do not have any accts in collections at the moment. I always keep no more than 25% bal on my accts. My history is about 3 yrs old. Im thinking about financing a used car for 30k and would like to know based upon my credit details/score how high would my interest rate be? I don't want to get a high rate. Professl in the field or Persnl Exp Pls Help. My question is not will I get a high interest rate but in what range would the interest rate be? I know I dont have perfect credit and the chances of getting a very low interest rate is impossible with my credit history but what range would I most likely receive? For example: 10-15%, 15-20%...etc. Thanks.

Do you think it's wise to buy an extended warranty for a used financed car? it's a '03 Pontiac Grand Am. I bought it used in 2005 and had the extended warranty on it then. But I have 10,000 miles until the extended warranty runs out and was wondering if I should even get an extended warranty on the car again. Thank you all !!! I will look into trading it in for a toyota....do yo think a Prius or Yaris is good way to go?

financing a used car questions? i am trying to buy a car, BUT i have been to 2 car dealerships and have been denied financing. I don't have much for a down payment (about 1500 + my trade in about 1000). I asked what was the reason for getting denied, the first car lot said that i didn't make enough (approx 1450/mo) and i didn't have sufficient credit (500 credit card for about 18 months) and the second said i was because i have only been working at my job for 1 month. I would like to know if anyone had any other ideas on purchasing a new car. I have come to the realization that i wouldn't be able to get a brand new car but most used cars are about the same as new cars price wise. I really need a new car but i am running out of options any advice?

If I buy an $8-10K used car, is financing an option? If so, what should I expect to pay as a down payment? What's the general way used car dealers handle used car sales in that range? 20% down payment? 50%? My credit is good, and I have no interest in buying a brand new car. Thanks in advance!

Financing a Used Car From Private Seller? My goal is to get a used Mazda 3 for around $10-$11,000 from a private seller. What are my options to get a car loan in order to buy from a private seller? I want to prove to the private lender that I am serious by making at least $1500 cash payment towards the car. Is there any way I can prove it, and will it help? ...Or am I better off financing through a used car dealership even though I will most likely be paying more than through a private seller? Thanks in advance

Bad credit... Can I still get used car financing? My car is broken down. I cannot drive it, cannot sell it. I currently have a used car loan through my credit union that I still owe 2,000 on the car. I can pay that loan off in 2 weeks. My problem is that I need to buy a new used car. I called my credit union and they said that because my credit score is in the mid 500's and I have had delinquent accounts in the past year, I do not qualify for a loan with them. What are my options? Will a dealership finance a car with my bad credit? How insane will my interest rate be? I don't know what to do.

What do you do if have financed a used car but later can't make the payments? Will all the money I already put towards it get lost? How long before they repo it? I've never financed a car before and I can make payments I'm just worried about the 'what ifs'.

Can I trade in my financed car for a used car at any dealership i want? I finaced a new car a year ago and now i want to trade it in for a used car at another dealership. Can i trade it in at any dealership i want? please explain. i need your advice. thank you.

Do banks finance car loans for first time buyers on used cars? I am looking to buy a used car. My mother believes that i cant get financed because Im a first time buyer and it would be a used car. Thanks

I'm financing a used car and want to get out of it so I can pay off my debt, what can I do?

Which is better? Financing a new car? Or paying cash for a used car? Financing a new car, it's going to spend more money from the bank (full coverage insurance plus car payment). Buying a used car with cash, no interest charges and only liability coverage insurance. Which is a better deal? Not an American made car by the way, just a foreign one. Ex. Hyundai. I've paid 1k for a great car before, but it'd never happen again. I just need to find another great Chrysler mechanic!