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How bad does your credit have to be ...

3,156 Views | 20 Replies | Last: 10 mo ago by CDUB98
Ryan the Temp
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9:57a, 2/27/25
AG
That you buy a used Dodge Charger with a sales price of $29,990 and your payments are almost $1,000 a month?

https://www.click2houston.com/news/local/2025/02/26/houston-woman-buys-used-car-from-dealership-finds-out-it-was-reported-stolen-from-missouri/

I mean, it sucks that they sold her an allegedly stolen car, but her saying her payment is close to $1,000 a month was mind-boggling.
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RK
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10:10a, 2/27/25
AG
Id guess that's a not immaterial portion of people on the road today.
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Milwaukees Best Light
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10:10a, 2/27/25
AG
I am sure she had plenty of money left over for quality insurance.
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Ryan the Temp
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In reply to Milwaukees Best Light • 10:12a, 2/27/25
AG
Milwaukees Best Light said:
I am sure she had plenty of money left over for quality insurance.
Fred Loya, for sure.
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TarponChaser
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In reply to Ryan the Temp • 10:17a, 2/27/25
Ryan the Temp said:
Milwaukees Best Light said:
I am sure she had plenty of money left over for quality insurance.
Fred Loya, for sure.
She should have gone to a more reputable dealer like Shabana and gotten Shabanatized.
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cajunaggie08
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In reply to Ryan the Temp • 10:32a, 2/27/25
AG
It would be if she did a 36-month note. I did one way back in my single days for 0% interest.
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Ryan the Temp
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In reply to cajunaggie08 • 10:45a, 2/27/25
AG
cajunaggie08 said:
It would be if she did a 36-month note. I did one way back in my single days for 0% interest.
I guess I'm an awful for person for assuming those weren't her terms.
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Martin Q. Blank
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10:48a, 2/27/25
Stolen in Missouri. Sold in Texas so supposedly has Texas or dealer tags. Why exactly did the cops pull them over?
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cajunaggie08
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In reply to Ryan the Temp • 10:58a, 2/27/25
AG
Ryan the Temp said:
cajunaggie08 said:
It would be if she did a 36-month note. I did one way back in my single days for 0% interest.
I guess I'm an awful for person for assuming those weren't her terms.
With it being a Dodge, your assumption is the most likely situation
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CFTXAG10
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11:23a, 2/27/25
AG
It doesn't shock me anymore. Used to pull credit reports all the time and one of the number one things that would pop up would be an auto loan for an absurd amount of money on either (a) a shi**y vehicle or (b) a vehicle way out of this persons affordability range. But you gotta keep it playa with a nice whip on them skreets
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sts7049
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11:38a, 2/27/25
AG
I can see this happening. some years back a family member took out a car loan with probably 500 something credit. I think the rate was like 18 or 20 %.
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Ryan the Temp
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In reply to sts7049 • 11:49a, 2/27/25
AG
sts7049 said:
I can see this happening. some years back a family member took out a car loan with probably 500 something credit. I think the rate was like 18 or 20 %.
The rule in my family was if I wanted to get a drivers license I had to obtain my own vehicle to learn to drive in. I ended up going to the one shady place I could find that would sell a car to an 18 year old without a drivers license. It was the first time I had ever obtained financing for anything in my life, so I didn't understand how any of that stuff worked. I ended up getting hosed with a 23% interest rate on a $6,000 used car.
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Marauder Blue 6
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In reply to Ryan the Temp • 11:53a, 2/27/25
AG
Ryan the Temp said:
That you buy a used Dodge Charger with a sales price of $29,990 and your payments are almost $1,000 a month?

https://www.click2houston.com/news/local/2025/02/26/houston-woman-buys-used-car-from-dealership-finds-out-it-was-reported-stolen-from-missouri/

I mean, it sucks that they sold her an allegedly stolen car, but her saying her payment is close to $1,000 a month was mind-boggling.
That's child's play for an auto dealer near an Army/Marine base.
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Scientific
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12:20p, 2/27/25
AG
Isn't the average monthly payment now hovering close to that? I'm not shocked anymore by the insane CCs, auto loan, and BNPL numbers.
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El Gallo Blanco
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12:46p, 2/27/25
Man I see a lot of ratchet ladies driving pretty nice cars these days. With inflation being where its at, and most people feeling the squeeze, I gotta wonder how many of these cars are just being straight up neglected. I bet a lot of people are just forgetting oil changes and basic maintenance altogether.
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Captain Winky
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1:11p, 2/27/25
I last purchased a vehicle in 2018 and financed through GM to get a better deal (refinanced as soon as I could) and the finance guy turned his screen to show me my credit score. I guess it was a list of all the recent reports he ran and some of the numbers I saw were astonishingly low. Like I didn't realize it was possible for a credit score to go that low. I asked if those people actually got approved and he just chuckled and said, oh yeah.
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Max Power
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1:54p, 2/28/25
AG
Quote:
Financial documents Emerita Diaz shared with KPRC 2 show that she financed a 2022 White Dodge Charger with her brother-in-law on October 29, 2024, at Robbins Chevrolet in Humble.

This person had to get a co-signor to get the car so they're both idiots.
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12th Man Ag
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8:44a, 3/1/25
AG
What does this comment from the dealer mean?

Quote:
We reached out to Robbins Chevrolet, but didn't hear back. So we went to speak with general manager Jim Stallings on Wednesday.

Jim Stallings (KPRC)
"They don't have a stolen car. They don't own the car," said Stallings. "They didn't finance or purchase anything."
This is despite the motor vehicle sales contract listing Emerita Diaz as a co-buyer of the Charger.
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Chewy
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12:40p, 3/1/25
AG
Sounds like a lease they quit paying on.
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94chem
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12:41p, 3/3/25
Cashapp sent me a text this morning telling me that I was about to miss out on my chance to borrow up to $25.

How this could be targeted to anybody over 10 years old is crazy.
94chem,
That, sir, was the greatest post in the history of TexAgs. I salute you. -- Dough
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CDUB98
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In reply to Chewy • 1:01p, 3/3/25
AG
Chewy said:
Sounds like a lease they quit paying on.
I think you may be on to something.
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