Is 630 a really terrible credit score? Any options for a home loan or auto loan?

home loan: www.naca.com

they are a non-profit housing advocacy group and they will work with you to improve your credit.

Is 630 a really terrible credit score? Any options for a home loan or auto loan?

No. That's not a bad score. I would ask your banks loan officer.

Is 630 a really terrible credit score? Any options for a home loan or auto loan?

It ain't great...

Is 630 a really terrible credit score? Any options for a home loan or auto loan?

no in my state and dating a mortgage broker, you have to have a 620. It is difficult but doable! That is for home loan and car loans. Good Luck.

FYI, do not apply for any additional credit if you are trying to buy a car or home. (Ex. CC)

Is 630 a really terrible credit score? Any options for a home loan or auto loan?

Not too bad.

You should be able to qualify for a home %26amp; auto loan.

Some mortgage programs will give you a better rate if you take a credit counseling class to compensate for your credit score.

Is 630 a really terrible credit score? Any options for a home loan or auto loan?

No, not a terrible score. Could get better, but its not BAD. Can easily get a car loan with that credit score. Home loan - you might want a higher score, two years employment history.

Is 630 a really terrible credit score? Any options for a home loan or auto loan?

It could be alot worse, but its not Great. You could probably find a dealership that will finance you independetly(without a cosigner) but your interest rate might be rediculously high. Ive heard of people with a credit score of 605 getting financed independently.

Is 630 a really terrible credit score? Any options for a home loan or auto loan?

Well, my husband's is almost 700 and the interest on our car that we are financing is rediculous! I think that 630 is kind of low, it's definately NOT great! Sorry, but I think you need to raise it some more.

Is 630 a really terrible credit score? Any options for a home loan or auto loan?

yes it is workable go to www.empireeguity.com

min fico (credit score) is 490

Is 630 a really terrible credit score? Any options for a home loan or auto loan?

Working at a bank I see a lot of credit scores, some lower and some higher. 630 doesn't put you at the bottom but 700 plus is the score that gets the better rates and terms with bank and other institutions. You should be able to qualify for a home or auto loan, but the score may require you to put more down or caused you to be charged a higher rate.

A good loan officer will look into what created the score and make their decision accordingly. At my bank, if you have paid everyone without being late but you have some unpaid medical expenses, we will genreally overlook the medical. You could also have a lot of available unused credit that is dragging your score down. However, if you have been late with other creditors and that was what dragged your score down, we would use that in determining whether the loan would be done and what the terms would be, etc.

There are a lot of factors affecting the credit score but you can learn more at the FICO website.

Is 630 a really terrible credit score? Any options for a home loan or auto loan?

Thats actually very good. If you are looking to refinance or purchase a home please feel free to contact me with any questions you might have. Jack Gobioff Empire Equity Group @ 1800-829-3000 ext. 1923. Looking forward. Thank You.

Is 630 a really terrible credit score? Any options for a home loan or auto loan?

You should look into getting a copy of your credit report. You may be able to jack up your score 20 or 30 points within 60 days.

Recently Got a Chapter 7 discharge. What kind of percentage rate can I expect on a new car auto loan

Monthly Gross income is $30,000

Recently Got a Chapter 7 discharge. What kind of percentage rate can I expect on a new car auto loan?

24.99%. No, I'm not joking.

Recently Got a Chapter 7 discharge. What kind of percentage rate can I expect on a new car auto loan?

Sky high interest. 20% or more. But if you are making $30k a month, why not just pay off the car in full? That's a LOT of money. How could you even declare bankruptcy with that kind of income?

Recently Got a Chapter 7 discharge. What kind of percentage rate can I expect on a new car auto loan?

20% and above. If you didn't have that discharge it would be lower. But with that discharge it's going to rack up that interest.

Recently Got a Chapter 7 discharge. What kind of percentage rate can I expect on a new car auto loan?

Why do you need a car loan if your monthly income is $30k. Just save a month or two and pay cash. I know you are trying to rebuild your credit, but you will have huge interest rates. Avoid a loan for about 6 months if you can to show you aren't about to default again.

Recently Got a Chapter 7 discharge. What kind of percentage rate can I expect on a new car auto loan?

Are you speaking of a military discharge?

Recently Got a Chapter 7 discharge. What kind of percentage rate can I expect on a new car auto loan?

yes you can expect high interest rates, if need to be look at a longer term. make payments always on time and look at refinancing. go talk to a lender it dose not hurt. with that kind of income you should not have a problem.

Recently Got a Chapter 7 discharge. What kind of percentage rate can I expect on a new car auto loan?

Is that yearly gross or monthly? If monthly it shouldn't be too bad of a rate but yearly you can be sure its in the 20+ range. You can find out more thru my blog. There is a couple auto loan companies you can get a quote from free. They claim to help the bad credit type too. I'm not saying you got bad credit but whether you do or not it wont hurt to findout what they offer. http://painintheexhaust.blogspot.com

I would like to get a pesonal loan to pay off my auto loan which is at 14%.?

My credit score is now up 80 points from where it was at the time of the vehicle purchase. Is this a good idea?

I would like to get a pesonal loan to pay off my auto loan which is at 14%.?

Auto loans are a joke, they really rip people off. Go to a local credit union or your bank and see if you can get a better deal. Even if you can only get a loan at 8%-10% - it is better than 14!

I would like to get a pesonal loan to pay off my auto loan which is at 14%.?

Yeah.. but we still dont know your credit score. 14% is VERY HIGH for a car loan. It should be more like 7-8%.

I would like to get a pesonal loan to pay off my auto loan which is at 14%.?

By all means...get a lower interest rate. 14% WOW

I recommend going to your local bank and talking to a loan officer.

I would like to get a pesonal loan to pay off my auto loan which is at 14%.?

You could probably get a personal loan at propser.com to pay off your car loan with good rates.

Does anyone have a number in which I can speak with a Bank of America representative about my auto l

I have been trying to contact a representative using several different telephone numbers supplied on their website and I can not get a live person on the phone.

Does anyone have a number in which I can speak with a Bank of America representative about my auto loan?

1-800-622-8731 and hit zero. That will bypass all of the recordings and ask to be transfered to the loan dept!

I am 18, have a credit score of 726, and want to aply for a $10,000 auto loan in 12 monts... what sh

What should I do in the next 12 months? I want to apply WITHOUT a co-applicant. I already have one credit card with a 1,000 limit which I have only had one month and paid the entire balance off on my first (and only) bill. TIA for your help!

I am 18, have a credit score of 726, and want to aply for a $10,000 auto loan in 12 monts... what should I do?

With that type of credit score, you should have NO problem getting a loan. What would be better is a down payment. Even if you have a small one, or none at all you should have no trouble without a cosigner.

I am 18, have a credit score of 726, and want to aply for a $10,000 auto loan in 12 monts... what should I do?

Thats a really good credit score. You can a really low rate when you go apply for a car loan forsure. How long of a loan are u looking for? You should try to pre qualify for a loan so you know exactly how much credit you can get without hurting ure credit score.

http://www.finance-experts.com/car-loans...

I am 18, have a credit score of 726, and want to aply for a $10,000 auto loan in 12 monts... what should I do?

What you should do is shop around for the best loan. You have a good score so getting credit won't be a problem. Focus on how much it will cost you.

When you do the shopping do it right when you're about to buy the car and do it all at once (within a couple of weeks). If you shop over the next 12 months the multiple inquiries will start to hurt your score. If you do them all at once they only count as one.

When I bought my car I used Lending Tree (I'm not an employee) and got 4 offers. Took the lowest one to the dealer and they offered me a better deal through a credit union when I closed so I took it. Use your leverage.

I am 18, have a credit score of 726, and want to aply for a $10,000 auto loan in 12 monts... what should I do?

Why waiting for 12 months?

ou having a good credit score.

Apply now.

I am 18, have a credit score of 726, and want to aply for a $10,000 auto loan in 12 monts... what should I do?

At the least, you'll need a verifiable source of adequate income. Be prepared for high interest rates due to your age and lack of credit record.

P.S. Ignore all the scammer response posting you see here. Don't deal with them.

I am 18, have a credit score of 726, and want to aply for a $10,000 auto loan in 12 monts... what should I do?

There are many auto loan options available today. Today, stiff competition among auto loan financing companies%26lt;!--has made it possible to get a car loan or an auto loan at favorable terms.

http://best-loans.awardspace.com/autoloa...

However, before you sign the paper for financing your favorite set of wheels, do your homework to ensure that you get the best car--%26gt;finance option. You can apply for online car loans on the Internet, or get it from your car dealer.

I have just turned 18 I want to get a good auto loan but where can I get a low interest loan?

Credit unions often have the best rates. There are usually qualification requirements to join the credit union. For example, USAA requires you or a relative is or was in the United States military. Plenty of credit unions abound. You can probably find a way to get in the door at one. At 18, you may find it difficult to get credit not necessarily because you have bad credit but rather because you have no or little credit history. Another person such as a parent or relative may need to cosign the loan in order to guarantee it. Also, even if a cosigner is not absolutely necessary, you may be able to get a better interest rate with a cosigner.

If a car dealer offers you a loan with a reasonable interest rate be skeptical and read the fine print. Actually, if anybody offers you a loan ... read the fine print. :-)

I have just turned 18 I want to get a good auto loan but where can I get a low interest loan?

Auto Loan Guide: http://autoloanguide.automobil... Report It

I have just turned 18 I want to get a good auto loan but where can I get a low interest loan?

You don't want a car loan at 18! Before you know it you'll regret having the car. Save up some money, and its possible pay cash. Until then use public transportation! After a year of driving you'll enjoy being the passenger! Good Luck.

I have just turned 18 I want to get a good auto loan but where can I get a low interest loan?

Unless you are just trying to establish your credit--I could still think of better ways--I would buy a car that I could make a few payments as possible.

Getting into debt sux, especially on a car that loses its value. I would try to stay away from debt as long as you can.

I have fair credit and USAA has on their site a fixed apr for 7.99% for auto loan. Am I guaranteed t

know of any other banks that give lower fixed apr?

also is it up to the company to decide whether or not to give you a fixed apr? or do they give variable apr for other reasons?

P.S. why is buying a car so much work? =)

I have fair credit and USAA has on their site a fixed apr for 7.99% for auto loan. Am I guaranteed to get that

The interest rate will be fixed, but it may not be the best rate available. The best rate is for people with good credit.

I have fair credit and USAA has on their site a fixed apr for 7.99% for auto loan. Am I guaranteed to get that

USAA has pretty good rates. Honestly, if you call and talk with them, they can usually get it even lower for you. I'm only 20 with a credit score around 700 and I have a 5.4% loan.

Just give them a call.

I have fair credit and USAA has on their site a fixed apr for 7.99% for auto loan. Am I guaranteed to get that

Your're not gauranteed anything untill you do it, why would they gaurantee a rate, rates fluctuate. That's like saying the gas is $2.50 per gallon according to the sign outside the station. Would you ask if that's gauranteed? If that's what they say it is, do it right now, or it may go up tomorrow.

Buying a car is only as hard as you make it.

I have fair credit and USAA has on their site a fixed apr for 7.99% for auto loan. Am I guaranteed to get that

WFS IS GREAT I BELIEVE THEY WILL GIVE YOU A SIX PER CENT THAT'S GOOD I HAVE GONE THROUGH THEM A FEW TIMES THEY ARE GREAT IT IS UP TO THE BANK THE PLACE WHERE YOU BUY THE CAR HAS GOT TO FIGHT FOR YOU IF NEED BE THE HIGHER THE RATE THE MORE YOU PAY IF YOU CAN PUT MONEY DOWN THAT'S GOOD TOO!!!!!! WHEN THEY SAY MONEY BACK THEY TAKE MONEY OFF A FIXED RATE IS THE RATE THAT WILL STAY THROUGH OUT THE LOAN OF THE CAR BEFORE BUYING ASK QUESTIONS GET A WARRANTY THEN IF IT'S A LEMON YOU CAN TAKE IT BACK AND GET YOUR MONEY BACK DO YOU HOME WORK BEFORE BUYING A CAR IF YOUR BUYING A USED CAR HAVE IT CHECKED OUT BUY YOUR OWN MECHANIC BEFORE BUYING IT GOOD LUCK IF YOU HAVE ANY MORE QUESTIONS JUST ASK

I have fair credit and USAA has on their site a fixed apr for 7.99% for auto loan. Am I guaranteed to get that

What is fair credit? 600 score, 500 score?

No matter what you should stick with USAA unless your credit score is so heinous they have denied you completely. USAA advertised rate of 7.99% usually comes with some stipulations they don't have to give it to you. All auto loans are fixed never variable like some mortgages.

Buying a car is the second largest purchase you will ever make next to a home, do your homework. It will pay off.