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Tag Archives: car loan

I Have a Bad Credit Report. What Can I Do? – Connie

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Connie “Dear Steve, Even though, my credit is bad, I do have some good credit references. Everytime I apply for a consolidation loan, or whatever I am always turned down I know my score is bad but they always need that credit report. How can you help, a consumer even though there credit report is bad? Connie”   Dear Connie, ... Read More »

    San Wants To Know “We Need Some Way To Pay Off Our Debts”

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    “Dear Steve, We need some way to figure out how to pay our debts off. We have credit card debt, car loan, a home equity loan that has a balloon next year, medical bills and owe a balance to my brother for his half of property we inherited jointly. We have two incomes and we should be able to live ... Read More »

      I Don’t Want Anyone Coming After Me For His Ford F-150 Loan. – Marcia

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      Marcia “Dear Steve, My ex-husband and I were living together for the past 5 1/2 years; he just left a week ago. We are on a loan together for a 2005 Ford F-150 which he owes $23,000 on. He won’t refinance the loan to get my name off (he probably couldn’t get the loan anyway). I don’t want to get ... Read More »

        Lower Your Car Payment. Skip It, Lower Your Interest Rate and Get Cash Back

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        Here is a little financial tip that I’ve used in the past but I keep forgetting about. Refinancing an existing auto loan to lower interest rates and monthly payments. I just got an email that a client was instantly approved for an auto loan refi and that’s good news. You see when this particular person bought their car their credit ... Read More »

          Indiana, Michigan, and Kentucky – Worst Places for Auto Loans in 2010

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          TransUnion released its annual auto loan forecast today indicating national auto loan delinquencies (the ratio of borrowers 60 or more days past due) will increase approximately 7 percent at the end of 2010 to 0.92 percent from an expected 0.86 percent at the conclusion of 2009. Only one state – California – is expected to see a decline in auto ... Read More »

            My Car Payments and Car Insurance Are Killing Me Financially. – Greg

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            Greg “Dear Steve, Car payments and car insurance are killing me financially! I don’t know what to do on my car payment anymore? I’m getting financially stressed! Its extremely high and I pay high interest, plus I have another car I owed on and traded it for this new car and what was left on the loan? Was tacked onto ... Read More »

              Should We Take Money From Our IRA to Buy a Car? – Brenda

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              “Dear Steve, Retired – husband 69 and I am 65 Husband worked for a now defunct airline for 28 years so pension is minimal from PBGC. I have an IRA worth about $210K (withdrawing $10K lump sum annually). We are both currently collecting social security. My husband has two part-time jobs and I have one part-time job producing an insignificant ... Read More »

                I Got Divorced And Can’t Afford to Live. – Rhauny

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                Rhauny “Dear Steve, I got divorced and now live on one income of 1600.00 monthly my car payment is $556.00 A MONTH and my rent is 550.00 leaving me roughly 500.00 to pay for childrens school lunches lights phone car insurance food etc. I am falling apart because of the car and I owe 35,000.00 for 84 months. I dont ... Read More »

                  Can I Get My Bank to Reduce My Car Loan Interest Rate? – JT

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                  JT “Dear Steve, At this moment, I am paying high interest on my car loan? Do you think I can get the bank to reduce the interest even if my credit score is bad? JT”   Dear JT, No. The best way to get them to lower the rate is to improve your credit score and then refinance the car ... Read More »

                    I Can’t Get a Car Loan Because of a Past Bankruptcy – April

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                    “Dear Steve, My husand over 10 years ago got appendicitis with no insurance. The hospital wasn’t happy with the small payments hubby was making, so they hired a law firm. The lawyer for the hospital wanted him to start paying $170 a week when he was only making like $260 a week in a factory. Hubby had no choice but ... Read More »

                      Jerry Wants to Know How to Repay Debts He Can’t Afford

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                      “Dear Steve, I have a time deposit at the bank and borrowed 80% of it using the deposit as collateral. I already skipped 3 payments even for the interest alone. My car is also mortgaged at another lending firm and I already skipped 2 monthly payment for my amortization. I have a small business but the income I get is ... Read More »

                        Slowdown nails contractors: Dozens of Idaho small business owners

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                        Slowdown nails contractors: Dozens of Idaho small business owners ... Idaho Business Review, United States - 2 hours ago Most of the rest of their liabilities consist of medical bills, a car loan and credit card debt . · Boise home builder and contractor Russ Iverson filed for ... Read More »

                          I’m Afraid I’m Going To Get Laid Off. How Will I Pay My Bills? What Will I Do?

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                          “Dear Steve, When I read the news I get so afraid that I will get laidoff. Business at work seems to be slow and I find myself surfing the internet more at work and reading more of these stories about the pink slips that are coming. I’ve got bills and credit card debt to payoff and a wife and kids ... Read More »

                            Pam Is Out Of Cash And Out Of Time

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                            “Dear Steve, I am no longer making ends meet. I have my daughters Sallie Mae $20,000 loan payments starting in one month, I can only afford to put little bits of gas in my car at a time, I have a $5,000 car loan and about $12,000 in credit cards. I have not bought anything that I did not need ... Read More »

                              Jax Is Looking to Refinance And Has Some Questions

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                              “Dear Steve, I need to refinance my home in Oct of 2009. My credit score is 669. I have a mortgage of $130,000, home equity loan of $34,000, a car loan of $4,000, & credit cards of $4,000. Some credit cards don’t have balances. Do I close these credit cards and extend my home equity loan to pay for my ... Read More »

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