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Discussion Starter · #1 ·
hey everyone, so im new in this forum, b ut though i should ask advice from you guys..
so im trying to buy a terrain 2010 sle 2 awd mocha steel conv. package, sunroof, and dvd entertainment syst. so i when to my local dealer started the paper work and want to place 10k downpymt. the preaproved me but. but they want to offer me 12.4 percent intrest, and 72 mth laon...to me thats insane ....please any input would help i really want this car but i think i may have to bite the bullet and go some other make..
 

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Discussion Starter · #5 ·
i kno my credit score is not that stronge is 584, but its cuz i never had a credit card or car loan or any credit lol so thats why im puttin 10 grand down.... i mean i do make 2200 bi weekly lol so im so frustrated
 

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Discussion Starter · #6 ·
ohh let me add something i would prolly take the 12.4 percent because of the credit situation but if u do the math by the end of the loan i would be over payin almost 16k
 

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Discussion Starter · #8 ·
yea i think i may have to wait a few months and figure how to build my credit...does anyone know how to build cresdit till may/june im willin to wait a few months
 

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Discussion Starter · #12 ·
yea so listen to this after a long chat with the sales man and finance manager they told me to think about takin the deal and bitting the bulllet since i dotn have good credit...haha do they think im dumb lol..n e ways ive made them wait a few days and now they called me today and said if i can get them proof of work and all notarized recomendation lettrs lol they may be able to drop the price of the car and subsequently they will have to drop the interest rate...im keeping my fingers crossed and hope fully they lower my rate to a mid 8% and lower price of terrain...lol
 
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