Long thread so here is the cliff notes:
current car sucks
a loan for the full amount(4000)
currently have a 95'neon that just plain sucks. Since the weather as been really cold in the morning it has trouble starting and not only that but all i have is windsheild defroster for heat and no carpet makes for a cold a$$ ride. Since i have a 3 year old this car isn't looking too reliable to have her in it. 160,000+ miles, plus its a neon. Been thinking about gettin a blazer and found some pretty cheap(higher miles though). Not too concerned about replacing things here and there since it won't be the neon and i work at a carquest DC so parts are cheaper. Found a 2001 with 120,000 miles for 4 grand. Just i got no money saved up right now and looking to get a loan for the whole amount, tags and title i can cover on my own. Looked at insurance and it would only go up about 5 bucks a month so insurance isn't a problem. Just trying to think of reasons not to get it. I have bad credit at 550 and assuming the interest rate would be 20% that would put the payments at ~150 a month which is easily doable. Anyone think it is a bad idea and just deal with the neon. Not worried about payments really and overall i am sure its a bad deal but with my credit and my hatred for my current car i can deal with it.
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"It's not based on any particular data point, we just wanted to choose a really large number." a Treasury Department spokeswoman explaining how the $700 billion number was chosen for the initial bailout, quoted on Forbes.com Sept. 23.
Certified dealers Refs: C3 customs