What would be the chances of me getting a $8,000 loan from the bank for a used car? im a student?
forgot to mention this. I have a job and ive had it for over a year now… sorry didnt mention that
so im a student and im currently attending Onondaga community college part time and I will be full time in the fall. I am scared to death of accumulating student loans and not having a part time job and/or not being able to pay for stuff because i wont have a job (i need transportation for a job, and the bus just doesnt cut it for speed… I need a vehicle). now the problem is that I have almost no credit (I have a little, I just got a credit card 2 months ago, its a 250 dollar limit and its not cosigned. so far ive paid off 500-600 dollars worth of items on it, I pay them online thus i didnt have to wait for the bill, thats how i spend over my limit). im looking for the loan to be 2-3 years… is that even possible??? any information would be helpful thanks… oh also im using a federal credit union not a bank really…
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April 8th, 2009 at 9:45 pm
You might have a tough time with limited credit history. However, you mentioned that you are looking to get the loan from a credit union — if this is the credit union where you do your banking, and your history on these accounts are good, you may have a chance. Income and job stability are also considerations — if you have at least a one-year history at your part time job and you bank at the credit union, you may have a chance.