Foreclosure list asked:


How long does auto dealer in Arizona have to secure financing on a spot delivery purchase?
I left dealership on Monday 29 May 06 with a used vehicle. I would like to restructure the contract at a lower price or return vehicle and get my trade-in back. I signed a document stating that after five business days the dealer may request the vehicle back on their request if they are unable to secure financing. So I called and told them to either lower the price of the car to the total I am able to get financed through my bank or give me back my trade. They said they have as long as the want to find financing. Is this true? What are options here?

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smarterchild_usa asked:


is it going to be good for my credit line by being a co-signer for a car loan? on the finance paper, my name is in the co-signer section and my dad’s name is in the first section of the loan. but i am the owner of the car and the registration and the title is under my name. yhnak you in advance for your help.

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mother of 3 asked:


My husband and I are 30 and 31 and have 3 kids. We’ve owned our home for 7 yrs and owe 65K plus a 40K equity line. We have no other debt except our 2 car loans. Our house is now worth at least 130K as is. We are having plans drawn up to add a second floor with our own money but would like to know the best place to get a construction/permanent financing loan for the addition. Our credit scores are 787 and 740 and my husband makes 65K a year and I make about 30K working from home. I’ve heard some online banks have great rates or would it be better to go with our mortage co. (WAMU) or the credit union we have our 2 car loans and equity line from? **Plus, my husband is a General Contractor and will be doing most of the work himself. Will that affect the payouts? Thanks!

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The Dude asked:


My wife and I are expecting a child soon (that’s the good news) and we need to get a vehicle with more than two doors! Due to a job loss and the following reduction in income our credit is seriously banged up (that’s the bad news) Fortunately, we are back on our feet again but the past credit issues continue to haunt us.

I have done some research, but everything that I have come across seems pretty shady Are there any legitimte auto financing options available for us?

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estephania2182 asked:


I really want to work on paying off my school loans but don’t know where to start. I’ve been in default for a couple years due to my immaturity and now am trying to improve my credit. I’ve raised my credit score 43 pts in 4 months just by having one credit card and paying it off on time. What do I need to do to get the ball rolling and start paying on my loans? I could pay maybe 100 dollars a month right now.

Edith

jguerrero14 asked:


I got someone to cosign for my autoloan but will they be able to if they have a few loans already taken out?

Marilyn

Jas asked:


You shouldn’t worry too much about bad credit finance options, because there are several financing options available regardless of your credit history… some of them charge higher interest rates or require some additional security, but in the end may be just what you’re looking for.

Vehicle financing

If you’re looking for a bad credit finance for a new or used vehicle, your best option is most likely going to be to visit a finance company as opposed to a traditional bank.

Some finance companies are more likely to offer bad credit finance options for vehicles than others, and the financing will usually depend upon the type of vehicle being financed, where the vehicle is being purchased from, and what sort of insurance and driving record you have.

Other factors that will be taken into consideration include your annual and monthly income, any cosigners that you might have for the loan, and any recommendations or referrals that you might have.

Home financing

Finding someone to offer you a bad credit finance for a house or other real estate can sometimes be tricky, but generally real estate shouldn’t be too difficult to finance.

Major factors in getting a mortgage lender to approve you for bad credit finance options include your income, any insurance that you will purchase for the house or real estate, the amount of a down payment that you’re willing to offer, and any references of former landlords that you can offer.

Mortgage lenders for bad credit finance loans can be found online, at finance companies, and at some real estate and property management services.

Other financing

Should you be seeking bad credit finance options for other items (such as collectibles or electronics), you might find your search to be a little more difficult.

Read more on

http://myfreeinfo4u.com/finance/a_guide_to_bad_credit_finance_options.html



Travis