I'm with ya on this one. With the way the market will change due to everything that has happened the last year and a half. It will take longer and probably harder to get a good credit rating.

This is why i still say people should open credit cards in there kids names. Help them to get there credit going. Even if u have 5-6yrs of good credit history banks find it hard to get loans due to not a long enough credit history.

I say put the 6k down and take a payment for the remainder. Yes your interest rate will be at 15-20% But it won't be a long term loan and as u build your credit you can always refi it.

 

Well, I have some decent credit because of my parents. They have great credit, and it spilled over to me. Although, I have had a credit card since I was 16, that helped too. I got my loan with an interest rate of 5.5%. I would suggest going to a Credit Union....they might be cheaper. That's what I did.

 

dont get that focus! an hhr is better! just get a loan. if not then have your parents help you get a 2000 loan. GET THE HHR! youll hate that you never went for the car.

oh also the hhr was my second car. my first was a ford ranger (id rather have a ranger to be honest)

when i was in high school i had saw the 07 hhr panel and though it was cool but never though i would get a new car. so i had 2000 and got a 2001 ford ranger. it was the best. i so miss that truck. but now that i have the panel i just wish i could lower it already