I might be selling mine... I need to get a family mobile, so i might be going back to a 4 door factory boosted vehicle.

 

Wth guys.... Nik you gave me shit, now you??? I'm also looking for an 06+ white or leguna but I need to finance, stupid credit unions are retarded

 

lol, i said might Alex. A lot of ppl are telling me to keep it. But if I do sell it, I know that there are a few good guys that I can sell it to.

 

How are they retarded?

 

LOL ^^^^

I am assuming they wont give him a loan on an older car at the interest rate, and amount, that he wants.

 

What Nik said, they are very anal about how much they'll give you and they look at each and every single credit card you have. I have one that has a little over $1000 and decent credit and have been paying on time and a little more but they see it as too much "debt."

 

Oh I thought you were referring to something else. Desert Schools credit union is one of the dumbest credit unions I've ever dealt with. Even if they approve you for a loan, they wont fund it until they have the actual title in hand. That means if you buy a car private party they have to mail the title into the bank before payment will be issued. That turned out to be a problem when I was looking at picking up an out of state car. I thought maybe that was the same problem you are running in to.

As far as the other stuff goes that's pretty much par for the course wherever you go. Just take some of the cash you got from the car any pay that card off. Put the rest away (in a separate account) so you don't spend it on random shit and just start bankrolling until you find the car you really want. At that point you should have more than enough cash to make financing whatever you need easy.

 

I agree with you on that David. I applied for a personal loan instead of the auto loan crap due to the title crap. When Adam bought the CR out of state, he couldn't go through a credit union either due to the title crap. I almost just rather finance through a dealer even though the apr will be higher to avoid the hassle through the credit union crap. Everything is crap

 

I know someone is going to flame but I used the Capital One auto finance blank check program to get my S.

They will finance a car up to 7 years old as long as it has less than 70,000 miles and the rates are decent.
You might as well give them a try and see what rate they can give you if you already did a credit pull.

It sure as hell beats dealing with a finance guy at a dealer... Never again!

Oh, and I got my car in California too, had no issues with title at all.
We agreed on a CASH PRICE over the phone for the car...
Then I overnighted the filled out and signed check cap one gave me to the dealer.
Next day the car was picked up and on its way to Arizona on a semi.

The only tricky thing was the sales tax. Like who paid what to who

Overall it was a very smooth transaction!
PM me Alex and I can give you details.

 

US Bank gave a 2% lower rate than Desert Schools was offering me.