| From | Message |
Wanna be
Dodge Dakota
JOIN HERE
6/01/2005
19:50:07
|
 Subject: But Here - Pay Here
IP: Logged
Message:
I found this really cool '98 Dakota at a buy here - pay here lot. Its the only way I can get a dakota because my credit isnt good enough yet. The payments are close to 400.00 a month, thats alot for me but I really want this Dakota - What should I do?
|
Kowalski
GenIII
6/01/2005
20:19:58
| RE: But Here - Pay Here
IP: Logged
Message:
That's a lot of coin to be paying on a seven year old truck - are you going to have anything in reserve for when it breaks down ? You mention the payments, but not the price. Basing buying decisions on payments instead of price isn't really good financial planning - not trying to slam you, just trying to give you a tip. Maybe you should get by with a beater while you turn your credit around ?
Lead, follow, or get out of the way
|
Dan M
Dodge Dakota
JOIN HERE
6/01/2005
22:23:34
| RE: But Here - Pay Here
IP: Logged
Message:
Those places tend to rip you off more than a dealer does.
look at some of the classified sites online like autotrader or cars.com. You may find a better truck at a cheaper price.
$400/month is new(er) truck pricing. Granted you said you don't have excellent credit.
- Dan M
|
Credit master
Dodge Dakota
JOIN HERE
6/01/2005
23:25:54
| RE: But Here - Pay Here
IP: Logged
Message:
wannabe, just a little advice, go find a used Dakota at a well known dealer, we have several lenders who loan to those with even the worst known credit history. The interest rates are a little, sometimes alot higher but the payments and service are alot better than those buy here places. Doesnt cost anything to try it first..
Good luck..
|
ricardcapecod
Dodge Dakota
JOIN HERE
6/01/2005
23:52:56
| RE: But Here - Pay Here
IP: Logged
Message:
Be very aware w/ buy here pay here tipe of business. I`ve seeing vehicles being repossessed after a few days w/out timely payment, w/ the vehicle almost paid off.
Most lots buy here, pay here, will charge in a weekly basis, wich may work against you.
Wanna be, make sure you can be where you want before you get there. Good luck.
|
nugsfan
Dodge Dakota
JOIN HERE
6/02/2005
12:54:17
| RE: But Here - Pay Here
IP: Logged
Message:
Those lots are also known to be the resting place of "problem" vehicles that the bigger used car dealers didnt want anything to do with. If you can get by for a couple of months save that $400 payment you would have made and look for a private party deal. You would be suprised what you can get for 2,000-2,500 (In the last year I have bought a 1992 Dodge Stealth-$2,000, 1998 Ford Focus (stationed in Europe-$2,500) and a 1993 Dodge Caravan with a new Tranny-$1,500. All were private party deals (Sold the Focus to pay cash for the van and put some coin back in my pocket). I have been where your at and when your hanging on w/o any credit that monthly payment more often than not will come back to bite you and leave you with nothing to show for it.
|
sicminds
GenIII
6/02/2005
13:54:41
| RE: But Here - Pay Here
IP: Logged
Message:
Yeah, def just save your money, you can get a 98 base dakota from a private seller for cheap.
Thats how i got my first dakota, it was a base truck, and i just added extior mods as i went, wheels,tires,grille, chrome bumpers etc....
plus you could always try to get a loan for a smaller amount, once you have money saved.
sic
click me
|
Wanna be
Dodge Dakota
JOIN HERE
6/02/2005
21:50:39
| RE: But Here - Pay Here
IP: Logged
Message:
Thx for all the input - sounds like I need to get the willpower to wait. And the patience to look for an alternative way of buying a dakota. Its everything I've got not to get this truck. Down right agony.
|
slopehead
Dodge Dakota
JOIN HERE
6/02/2005
22:21:17
| RE: But Here - Pay Here
IP: Logged
Message:
is your credit bad because you just don't have much of a credit rating or did you skip out on payments and have a repo or two? if the latter rather then the former mayhaps your "rents will cosign for ya. I did for my kids as my ol man done for me many a year ago, my youngest bought a spankin new intrepid for no down and 0% financing 3 years ago and has made all the payments so far and his trw is quite hi now.
|
Adam
Dodge Dakota
JOIN HERE
6/02/2005
23:15:23
| RE: But Here - Pay Here
IP: Logged
Message:
If you dont have credit because a lack of credit then if you have to have ur vehicle then go to a credit union. Normally they have better rates. First truck (financed through dealer) 29.5%....Second one (my dak financed through C.U.) 17.5% and I only paid on my first for 9 mos. I also almost paid it off but still. I wasn't lucky enough for someone to cosign for me.
Would've been a lot nicer. Trust me I know how hard it is not to get ur truck cuz, I have/had the same prob.
|
another mark
Dodge Dakota
JOIN HERE
6/03/2005
01:37:15
| RE: But Here - Pay Here
IP: Logged
Message:
"29.5%"
Are you joking or are you serious about that APR?
|
buy mine
Dodge Dakota
JOIN HERE
6/03/2005
08:25:19
| RE: But Here - Pay Here
IP: Logged
Message:
BUY MY TRUCK..................2002 Quad Cab 4x4
|
slopehead
Dodge Dakota
JOIN HERE
6/03/2005
16:23:32
| RE: But Here - Pay Here
IP: Logged
Message:
so what you are saying is either your parents got a low rating or they don't trust you?
|
Wanna be
Dodge Dakota
JOIN HERE
6/03/2005
19:13:05
| RE: But Here - Pay Here
IP: Logged
Message:
I dont have bad credit or a cosigner - I'm on my own if I want a Dakota and I have a decent job that I just started 2 months ago. I just happened to see this truck in a buy here pay here lot and I am way tempted to get it. SOOOOO close!
|
Dewey
Dodge Dakota
JOIN HERE
6/03/2005
19:17:47
| RE: But Here - Pay Here
IP: Logged
Message:
I need to know what cams are in my 4.7L from the factory does anyone know?
|
Adam
Dodge Dakota
JOIN HERE
6/04/2005
15:16:06
| RE: But Here - Pay Here
IP: Logged
Message:
Yea I was serious about my interest being 29.5%. The truck was only $4000. Seiously if you have to have the truck try going through a credit union first. Get a loan and then work out the price with the dealer. Just a thought.
|
| | P 1 |
|
Post a reply to this message:
Username Registration: Optional
All visitors are allowed to post messages
|
