Question:
The payments are 685.00 (I know its high) because I never financed anything before. How do I pay it off fast as possible and paying the least interest possible, saving myself money long term this is the only debt I have.
Answers:
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Best thig to do is after you send in your normal monthly payment and you have extra cash to spare, on a seperate check write out the amount your sending and on the bottom where the memo goes write in "PRINCIPAL BALANCE". What this does is this payment goes directly to the balance of the vehicle without any interest being taxed or removed from this total.Sitting Anywhere in your house what besides yourself has not come by a Truck, there is an answer.?
make extra payments or plan on saving enought to pay it off soonerusually no penalty for paying early but check your contract
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Hi you should make payments on it for at least a year or 2 to establish your rating you can pay more than your payment also it will build your credit which is very important u should not have a peanelty for payinf it off early because car loans are simple intreast loans , I know because I am a Finance manager at a car lot it is myt job to know. HOpe this helps u. Also I would go to a bank in about a year and half give or take and re-finance the loan that will build your credit and give u another trade line on your credit so if u ever want to buy a house u show a history of making paymentsdose any one no there i can buy a ferri f350 spider/ new?
Maybe overpay the note by as much a possible to shorten the life of the loan and reduce the amount of interest paid. That is a bad financial situation. Good Luck!What is Continuously Variable Transaxle?
holy crap 18? did u buy it on a credit card? refinance it , no quickly go to hsbc bank auto refinance youl save thousands if u get it lowered alot!!i need a car dealership that will finance me a car with ssi disability and welfare as my income?
There are many people in your situation, you'll be fine, i've been through it myself. Obviously your credit is a little off par which explains the 18%. First thing you do is join a credit union, follow the link provided below to find one. Many have open enrollments for county residents. Use this account to pay for the truck. For 9-12 months, pay only the payment amount, nothing more, save the rest. At that 9-12 month point, ask your credit union to refinance the truck. Your credit should be good enough now for them to accept the loan. BUT, they will probably say that they'll only finance ?? for that truck, now you'll need the money i told you to save, as a sort of down payment again. You should save about 75 per month in just interest, and have a normal loan again.Can a collector report a vehicle as stolen?
As an example. Several years ago i bought a truck at 19.95% through americredit. I financed 16000, my payments were 450 per month. After one year of making those payments, i refinanced at sfcu at 4.5% for the remaining 4 years, and my payment went down to 335 per month.
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I stronly suggest you follow the advise given to you, as the current loan you have is only hurting you.
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