I'm seeing a ton of dealers around here offering 0% interest for 4, 5, and even 6 years. Of course it has an asterisk that says "for well-qualified buyers."
I have a credit score of 710 and I'm willing to put down 50%. Does that make me "well-qualified" ?
Dominic Ward
I'm not the guy in pic, by the way. Also I'm white. Does that help my chances?
Luis Hall
>I'm not the guy in pic too bad, i was going to compliment your hair
Angel Anderson
Thats a pretty decent credit score, so i believe so.
Elijah Rivera
credit scores are racist
Brayden Ward
Hmmm I'd only do it to pay off immediately and try to get a 800 score
Camden Watson
I work at toyota, you need tier one credit to qualify for dopes rates. That special rate you're looking at you might need 750, but who knows. You won't know until you walk in the dealership. Make sure to bring up the promotion and don't settle for less.
Ethan Bailey
>tfw 760 credit score
Stay mad poorfags
Jose Rivera
Dealer here I've encountered many black folk with 700+ credit scores. The also tend to buy non stereotypical cars as well.
Anthony Baker
>buy car >dealer runs credit >"By God almighty" >"I...I have never seen this...Jim take a look at this" >Jim comes over >"Jim you ever seen anything like this?" >"Wow, just wow. Good job man!" >849 credit score >half a dozen banks lining up to get my loan
It's not THAT hard to game the credit system, especially when you have all the scoring rules up front. Do it enough and you'll save yourself literal millions over your life
Jonathan Foster
That really isn't going to help your score. One of the biggest factors in a sky high score is having lots of available credit, I have about 60k of room on several credit cards, but keeping the utilization low.
Joshua Wilson
0% interest is a meme. If you can't put 20% down you shouldn't finance it at any percentage.
Jack Morris
these posts are all from the same troll
notice how he instantly goes to race and posts a controversal image also that credit score is shit
Kayden James
How does one check their own credit without going to buy something?
James Davis
wrong
Jose Hill
credit karma you dingus. Its not a scam. Its just not incredibly accurate but its good enough
Jaxson Peterson
They have been westernized. Those people have moved past their nigger roots.
Adam Stewart
>get $12k line of credit >pay off $10k immediately >pay tiny amounts for the rest of the loan > < 15% credit utilization for the life of the loan
Wouldn't that make your score jump a good amount?
Wyatt Sanchez
The people I've seen with the best credit just have a long history of paying their bills on time. Sure, having available credit (ie not having a lot of debt) is a plus, but that isn't the elephant in the room.
Brody Morales
The length of the loan is significant. You can actually lower your score by paying off loans too quickly
Ryan Hall
>You can actually lower your score by paying off loans too quickly
why is this even a fucking thing? ffs!
Dominic Lee
I don't think so. I could see BUILDING MORE credit by making more on time payments, but not LOWERING by paying early. You just might not be reaping the benefit of having 72 months of on time payments. As far as creditors are concerned, you are still a safe person to lend money to, since you weren't late and you paid them back all their money.
Evan Martin
What's your debt to income ratio? I had a 720 and qualified for 0 percent on a 72 month loan
Evan Lewis
oh hey im at 749
noice
Jordan Rivera
749 here too! I have 17% utilixation. 2 lines of credit. But only a year or so of credit history. I cant imagine people finding a way to miss a payment!