why is there no financing for actual used cars? im not talkng about 2-3 year old like new cars, but actual 10-15 year old cars. no bank will give you a loan for those which means you gotta go to a nigger buyhere payhere lot with 20% interest rates which will give you payments more expensive than just buying a brand new car
>>27582032A 10-15 year old car is out of manufacturer warranty for everything and worth fuck all as collateral. Banks finance gently used cars because they can take them back if you fuck up your payments and actually get some money out of them. If you finance a beat up 10 year old car, it's far too likely a major repair will come up, you'll just quit making payments, and the bank will essentially just get a totaled vehicle for their trouble.
>>27582048if thats the fate of used cars then why does /o/ shill used cars so much? seems pretty retarded to get one instead of just buying a new car
>>27582032Dunno anon, I got a loan for a 2011 bmw through a CU (800ish credit score, and even then,6.5%) and I wish I hadn’t taken it.Honestly they are doing you a favor. If you have to finance a fucking used car, don’t make my mistake and at least go for certified used.
>>27582032how fast you think this neon got repod
>>27582051Don't be a wrenchlet then.
>>27582032i financed a 2006 in 2019 for 2% APR. it happens sometimes. you need to have four things when financing a used car > decent income > a good credit score > buying a car that has value > a good relationship with your banknobody except the predatory BHPH scum of the earth will finance you a 20 year old shitbox neon, because that car has absolutely no value. but you can find banks that will finance you if you’re looking to buy a well cared for Cobra or Corvette at market value. thats how most people buy cars at barrett jackson anyway
>>27582032>mask cucks
>>27582032$350 total or $350 payments?
>>27582325She looks about 350 a month.
>>27582032> half nigger baby> face mask> financed piece of shit dodge neonit doesn't get better than that
>>27582032>financing used car
>>27582194Faster than the daddy disappearing after that snowbunny told him that she was pregnant.
>>27582051>does /o/ shill used cars so much?Only the poorfags do.
>>27582345how do you expect the poor to stay poor
>>27582051>seems pretty retardedSomething retarded is popular on 4chan? Damn that's wild.
>>27582032>no bank will give you a loan for thoseMine will. Over 7 years or over 100,000 miles, you pay an additional 2% in interest. But again, I tend to get an unsecured signature loan when buying a used car. That way, I can get minimum insurance coverage.Maybe you need a better bank.
>>27582405kek
>Want to buy a $12,000 Porsche 944 Turbo>Bank won't lend me the money>change application to say "home improvements">bank knows I rent >instantly approved at 1.9% interest over 3 years I think my home will be greatly improved by having a 944 turbo on the drive
>>27582032You can find a personal financer for a lower rate. Some Jewish guy was doing it in my city and would always report the shitskins he liened cars to for not paying and essentially stealing them. Idk why he thought such a high risk thing as loaning money to people who can't get loans the regular way would be profitable. He basically bought them a car and had it stolen because he got thr paperwork wrong, he didn't word the lien agreements exactly as the law said so cops couldn't repo the cars. I guess the state legislators engage in this personal loaning business and made laws so that the cops are able to seize the car and arrest anyone who fails to pay a lien. Very difficult law/civil issue for me to understand but you may be able to find a personal financer for a cheaper rate but it's not going to be great since it's such high risk.
>>27583359he failed at being a jew kek
>Be poor>Have childrenMaybe we should allow abortions.
>>27582032i financed part of a 1989 car through my credit union just a couple years ago. the rate was a little higher than their rate for new/"new used" cars though
>>27583376Think of all the future doctors, lawyers, vibranium technicians america would miss out on
>>27582051Or just save money and pay for a car cash instead of resigning yourself to a $500-800 car payment. If you cant afford to save money every month then you cant afford a new car anyway.
I finance my 2015 card via my credit union
>>27582339
>>27583402>unabortable babies inevitably raised in povertyThink of all the future drug addicts, gangbangers, homeless people america would miss out on.
>>27583436This. Abortion is proven to drop violent crime. Look forward to an explosion of retarded methheads in 20 years
>>2758203210 year old cars should be under $2500. if they cost more, you're retarded for buying it. Exceptions being sports cars and antiques which can be financed
>>27582051>buy a used car with cash>fix issues yourselfit's easier than you think
>>27582032>no bank will give you a loan for those>Personal Loan>Reason: Auto Purchase.Done it twice. Rates are pretty decent also.
>>27582032Because a car that old will only be worth $2000-3000 which you can put on your credit card with 55 days interest free. Even a minimum wagie could pay that off if they're responsible.This leaves the destitute and trashy people who can't be trusted with something under 100% APR.
>>27582051if you cant scrape together 5k then you have bigger problems than not having a whip
>>27584027>Because a car that old will only be worth $2000-3000NeatCars in that price range:>salvage title>bill of sale only>no keys or pink slip, bring cash>needs a new spark plug to run but you can't bring a spark plug to check>needs a new radiator because all the water goes out the tail pipe>needs a new radiator because all the oil gets into the radiator somehow>needs a new tail pipe, old one smokes when running>transmission acting up, won't go forward or backwards>hyundai
>>27582032The fuck does whip even mean? I don't want to google ebonics for fear of my youtube recommend feed being clogged with nigger rap again.
>>27584058>another troll thread
>>27582032Get a personal loan
>>27584122>>another troll threadI tried finding the first vehicle in your picture."Oddly", it isn't showing up. Imagine my surprise.Found a BMW for about the same price in Grand Prairie, TX.Except it was a down payment.Down payment.Not the full payment.Just the down payment.>durr hurr those cars listed for $123 are totally sold for $123.00
>>27582032My credit union hands out loans like it's freaking candy on Halloween.
>>27584282>its too difficult!!1im not helping you retard, im laughing at you. get fucked
>>27584293>I'm wrong but I was sEcrEtLy juSt tRoLlInG LOLOLOLOLOLEveryone was fooled by you "just playing dumb". Good job.
>>27584321i'd rather you ride the bus, there are enough retards on the road, plus you're poor
>>27582032>no bank will give you a loanAnd they call this shit hole freedom KEKIn Europe you can have a small loan (<50€) without any justification on what you plain to buyYou maybe finally deserve those niggers
>>27582032I remember this bitch. That's not even her only kid. https://youtu.be/ShF7kwRpSzA?si=nLzsWZFCLZPoDeqW
>>27583369You have no idea how many poor Jews there are that failed at becoming rich Jews, but engage in the same shady business practices as the rich ones. It only works when there's other Jews in high places to let them off the hook or lift them up when they need it. This guy was just a whiney idiot that expected to get his problem fixed just by whining about it more. But the prosecutor's office wouldn't take his cases because the law couldn't help him since he wrote the contracts wrong. Even complained to a judge and city council, but there were no Jews in the prosecutor's office, court, and only 2 in city council so he didn't get his way. There are enough Jews in the state legislature though that passed that law in the first place. Police and the criminal justice system should not be used to enforce fucking usury, it's a civil matter to be handled in small claims court. However those Jewish legislators wanted to engage in usury more safely so they passed those bullshit laws to lessen their risk...
>>27584744Imagine being so poor you need a loan for 50 euro.Better use that money to buy a rope
>>27584785when they advertise apple products they show the monthly payment not the price of the product. europe is incredibly sad and gay, and poor
>>27584089>The fuck does whip even mean?Lmao cuacasians
>>27585124
>>27582032Most CUs and I imagine most banks, will just give you an auto loan for any car. You can pre-approved for a certain amount and use it on any car you want assuming you have good credit and income
>>27582032Mega Motors thread?Mega Motors thread.
>>27585491I wonder how much will the car cost(I know its gonna be repod soon)like what 50k?
>>27585491
>>27585516>(I know its gonna be repod soon)Yeah, good luck with that.
>>27582051Because /o/ is mostly poors and bus riders
>>27585542Holy shit this is genius. >stop paying car on the first month>pay a dozen niggers like a crack rock and chicken wings each to shield it from the repo man
>>27585725>holy shit being a subhuman incapable of paying your bills is genius!
>>27582032Because there's no money in it, financing profits come purely from fees. If the principle of what you're loaning is smaller, the fees you can charge will often be less, or be legally restricted, which means you have to be high volume instead to make the same money. Then you end up in the cycle of the people who want those cheap cars usually are financially unstable anyway and are more likely to default meaning the other ones that don't have to pay more to cover that, pushing the fees into predatory territory.
>>27582032Where is this car now? I need to own the vehicle. I need to siphon its meme-magic for my own personal benefit.
fixed
>>27583436I was being sarcastic.
>>27582032My bank gave me a loan on a 10+ year old AMG with over 100k miles no problem. It's now long paid off and I've had the car nearly a decade. Seek a credit union, mine offered ultra low rates on a new/low mileage car and a still decent rate on an "older" car.
>>27585540Nice. A black man staying with a woman who has a kid and buying a car with them. I hope they set an example to the other POC
>financing a 10-15 year old car
>>27584776One of these days we're gonna get RWers to realize that not every loan with interest is usury and that people have 0 fucking reason to loan money to you without interest.
>>27586659I bet this pic rattled many redneck teeth.
>>27586708That’s how boomer conservatives already think, Jew.
>>27586744Shit like this is why I see the French anti-semites were right, anti-semitism really does need to be more like a secret club that you get vetted into.
>>27586816Stop gatekeeping antisemitism chud.
>>27586839Every ideology gets ruined once people at too low of an IQ to understand nuance get a hold of it.
Does having a mutt baby mean your life is over forever except unironically?
>>27586855>Does having a mutt baby mean your life is over forever except unironically?If you are a man, it depends on the quality of woman and relationship. For example my cousin has an attractive Philippine wife and they get along pretty good, the kids are decent. They did well. My white mom divorced my white dad, and I believe hes been celibate. My brothers are jerks but im pretty cool, so I think my cousin did better overall, and my dad is also doing well.If you're a white woman with a nonwhite child, things are frequently pretty bad, especially if the man leaves or becomes violent or lazy.
>>27586678No ID OR DL, or credits or referencesIf they were closer, I'd bring them a couple customers.
>>27586855being a single mother in general means your life is overthat's been the norm for black kids since the 1970s, and not-so-coincidentally that's when black gangs started to crop up and ruin black culture + societal advancementsingle motherhood and everything that causes it is perhaps the greatest contributor to the decline of modern society from an economic, social, and ideological standpointanyway, cars
>>27582032My bank gave me a loan when I bought a 99 model diesel pickup. Probably helped I had twice the loan amount in an account with them and told the loan officer it was just to help me build creditBut the best they would do was 2 years at 9.9%
>>27586659I dislike american cars, but man this hurts.Its 100% womans idea trade cars.>>27586678only been repod 7 times.how much was it in total you reckon?if it never gets repod(not gonna happen) it will be like 40k i guess
>>27584089Burger cucks are hell bent on ruining the queens English. I mean they can’t spell autumn so they have to call it “fall” cause leaves fall of trees. They can’t spell forest so they have to say “woods” so they don’t forget what trees are made up. I do like the world slang “balla” though.
>>27586678How do they make money. No way she pays more than a month. So the bank has paid them in full for the car so they don’t care if they stop paying? Otherwise why sell cars that will never be paid off and likely damaged if you do repo it.
>>27587568imagine losing sovereignty over your own language lmaobritbongs are truly pathetic
>>27587574Careful anon or he'll get a powerful British official like Rajneesh Khan or a British noble like Megan Markle to do you in Maybe he'll call one of the 65 year old women his country considers "knights"Lmfao
>>27587568Imagine being such a dumbshit you don’t understand why English has both Old French and Old English root words when the Norman invasion happened IN YOUR COUNTRY.Imagine being a double dumbshit and thinking actual Old English words were coined in America.
>>27586851in this case, its multiple fronts, not just low IQ. Its low effort edge, its casual shitposting naughtiness for a dop hit, and worst of all its just a bore.
>>27587671Go neck yourself in the woods so your mutt body is not found until next fall.
