# Auto Financing - Options? **URL:** \ **Category:** NYSpeed Automotive\ **Created:** [June 25, 2008, 6:38am UTC](https://forums.speedlife.net/t/auto-financing-options/50564 "2008-06-25T06:38:31Z")\ **Posts on this page:** 14\ **Page:** 3
**Author:** ![boardjnky4](https://avatars.discourse-cdn.com/v4/letter/b/96bed5/32.png) [@boardjnky4](https://forums.speedlife.net/u/boardjnky4)\ **Post date:** [June 25, 2008, 12:55pm UTC](https://forums.speedlife.net/t/auto-financing-options/50564/41 "2008-06-25T12:55:13Z")
> [@boxxa](#): > > if its over 10k use [firstagain.com](http://firstagain.com) if you have excellent credit. not an easy place to get a loan through. They are picky to the EXTREME! You need many years of amazing credit history, and not a lot of current debt. Been there, tried that, with my father co-signing, and he has a ton of great credit history including multiple mortgages. ---
**Author:** ![Anonymity](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/anonymity/32/7215_2.png) [@Anonymity](https://forums.speedlife.net/u/Anonymity)\ **Post date:** [June 25, 2008, 1:04pm UTC](https://forums.speedlife.net/t/auto-financing-options/50564/42 "2008-06-25T13:04:58Z")
> [@theblue](#): > > ^^ > that’s pretty cool… thanks for the link… > > dozr: you still fail to realized that nobody will give a favorable car loan on an old car worth 5K because they don’t want the POS car when you default. might as well just do a personal loan. I’ll be amazed if you get a true car loan (with a lean) for anything under 6%. > > if I was you I would roll the CC debt into another card with 0% for a year and pay the car in full. You’ll be paying 0% finance if you do this. you can’t beat it. How do you know what car it is? i do and it isnt that old. maybe 06? what you fail to realize is you should type all of your thoughts on the great internet with out knowing the facts… or asking for them. > [@boxxa](#): > > if its over 10k use [firstagain.com](http://firstagain.com) if you have excellent credit. nice link. ---
**Author:** ![Geehee](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/geehee/32/7238_2.png) [@Geehee](https://forums.speedlife.net/u/Geehee)\ **Post date:** [June 25, 2008, 1:06pm UTC](https://forums.speedlife.net/t/auto-financing-options/50564/43 "2008-06-25T13:06:05Z")
Sticky? ---
**Author:** ![theblue](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/theblue/32/5074_2.png) [@theblue](https://forums.speedlife.net/u/theblue)\ **Post date:** [June 25, 2008, 1:15pm UTC](https://forums.speedlife.net/t/auto-financing-options/50564/44 "2008-06-25T13:15:41Z")
> [@Anonymity](#): > > How do you know what car it is? i do and it isnt that old. maybe 06? what you fail to realize is you should type all of your thoughts on the great internet with out knowing the facts… or asking for them. so it’s an 06 with a value of $5000? now I’m curious… but still the underlying facts remain the same. hmm… guesses on 2 year old cars with a value of 5k? ---
**Author:** ![Daddie](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/daddie/32/7621_2.png) [@Daddie](https://forums.speedlife.net/u/Daddie)\ **Post date:** [June 25, 2008, 1:22pm UTC](https://forums.speedlife.net/t/auto-financing-options/50564/45 "2008-06-25T13:22:33Z")
Take an equity loan, like 3% right now if you own a place. ---
**Author:** ![Anonymity](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/anonymity/32/7215_2.png) [@Anonymity](https://forums.speedlife.net/u/Anonymity)\ **Post date:** [June 25, 2008, 1:36pm UTC](https://forums.speedlife.net/t/auto-financing-options/50564/46 "2008-06-25T13:36:16Z")
> Originally Posted by **POOPRA** > _PM Dozer, his dad is over at Marks auto parts. He can get anything_ > [@theblue](#): > > so it’s an 06 with a value of $5000? now I’m curious… but still the underlying facts remain the same. > > hmm… guesses on 2 year old cars with a value of 5k? it is worth more but that all the $$ he needs to pay it off. ---
**Author:** ![theblue](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/theblue/32/5074_2.png) [@theblue](https://forums.speedlife.net/u/theblue)\ **Post date:** [June 25, 2008, 1:37pm UTC](https://forums.speedlife.net/t/auto-financing-options/50564/47 "2008-06-25T13:37:39Z")
so he already owns said car with an outstanding loan? or is this some family member selling it way under value deal? ---
**Author:** ![RobHimself](https://avatars.discourse-cdn.com/v4/letter/r/e480ec/32.png) [@RobHimself](https://forums.speedlife.net/u/RobHimself)\ **Post date:** [June 25, 2008, 1:43pm UTC](https://forums.speedlife.net/t/auto-financing-options/50564/48 "2008-06-25T13:43:31Z")
> [@boxxa](#): > > if its over 10k use [firstagain.com](http://firstagain.com) if you have excellent credit. I got approved by them through lending tree as well. They had a sligtly higher interest rate than the company i picked. Slightly meaning by like a10th of a percent ---
**Author:** ![Anonymity](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/anonymity/32/7215_2.png) [@Anonymity](https://forums.speedlife.net/u/Anonymity)\ **Post date:** [June 25, 2008, 1:46pm UTC](https://forums.speedlife.net/t/auto-financing-options/50564/49 "2008-06-25T13:46:37Z")
> [@theblue](#): > > so he already owns said car with an outstanding loan? or is this some family member selling it way under value deal? that is for him to discuss if he would like, and this is not thread to do it in… ---
**Author:** ![Eazy716](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/eazy716/32/7443_2.png) [@Eazy716](https://forums.speedlife.net/u/Eazy716)\ **Post date:** [June 25, 2008, 1:47pm UTC](https://forums.speedlife.net/t/auto-financing-options/50564/50 "2008-06-25T13:47:29Z")
> [@theblue](#): > > hmm… guesses on 2 year old cars with a value of 5k? 05 cavalier :gotme: ---
**Author:** ![theblue](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/theblue/32/5074_2.png) [@theblue](https://forums.speedlife.net/u/theblue)\ **Post date:** [June 25, 2008, 1:48pm UTC](https://forums.speedlife.net/t/auto-financing-options/50564/51 "2008-06-25T13:48:52Z")
> [@Anonymity](#): > > that is for him to discuss if he would like, and this is not thread to do it in… well it’s necessary information if he wants advice… if it’s a car worth $10k that he’s buying for $5k then he has $5k equity in the car which makes all the difference in the world. ---
**Author:** ![dozr](https://avatars.discourse-cdn.com/v4/letter/d/41988e/32.png) [@dozr](https://forums.speedlife.net/u/dozr)\ **Post date:** [June 25, 2008, 2:20pm UTC](https://forums.speedlife.net/t/auto-financing-options/50564/52 "2008-06-25T14:20:45Z")
KBB is 10k… I don’t need financial advice, I was just looking for decent lenders/rates. Thanks! ---
**Author:** ![theblue](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/theblue/32/5074_2.png) [@theblue](https://forums.speedlife.net/u/theblue)\ **Post date:** [June 25, 2008, 3:03pm UTC](https://forums.speedlife.net/t/auto-financing-options/50564/53 "2008-06-25T15:03:40Z")
which is like saying “I don’t care about my credit score but I want a low APR” different financial situations require different lenders and strategies… unless you don’t care about saving money. ---
**Author:** ![dozr](https://avatars.discourse-cdn.com/v4/letter/d/41988e/32.png) [@dozr](https://forums.speedlife.net/u/dozr)\ **Post date:** [June 25, 2008, 6:12pm UTC](https://forums.speedlife.net/t/auto-financing-options/50564/54 "2008-06-25T18:12:21Z")
> [@theblue](#): > > which is like saying “I don’t care about my credit score but I want a low APR” > > different financial situations require different lenders and strategies… unless you don’t care about saving money. It is saying that I would like to borrow 5k for a private party auto loan, and I am looking for lenders who may have good rates for this type of loan. I got the information I need, thank you for your persistence in making sure I can handle my own finances. If there were any other major factors that played into this, for example, if i had a shitty credit score - I would have been sure to mention them. I do not need hand holding, I simply was looking for some additional options, which I have plenty of now. Thanks! [Previous page](https://forums.speedlife.net/t/auto-financing-options/50564.md?page=2)