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I applied today with the credit union. They took the application and advised me that my credit was too new. They told me to get a loan at dealer and refinance with them in a year. I was expecting that anyway. I guess the dealer will be my saving grace. I think I will be paying the high interest rates as expected. It is ok. I called the BK court and they told me that they will put a rush on the discharge letter for me.
Mazda: what would a CPO toyota Corolla (1999 or 2000) run? They usually have warranties as good as new and someone else has taken the depreciation hit from new. May save you a couple of thousand $$ with all the security of a new car and, best part, with 2,000 down you would probably never be upside down. Equity from day one.
Learn something new every day.
Yeah, those certified pre-owneds are a good deal!
I'm sure there are still some sitting on the Chevy dealers' lots, as they were slow sellers generally. They're good little cars, but Chevy for the most part didn't know how to market them. Around these parts, they often had sticker prices about on par with a Malibu, although I'm sure they'd be willing to deal.
I was able to find a 99 ford zx2 in pristine condition, 35k miles. They were asking $9995.
They gave me $1600 for my honda which was worth about 500 so I was happy with that.
My payments are $259.00 a month. the 23% interest rate was a little high, but it will decrease every 3 months with good payment history.
I will refinance it in a year. Now we're getting a credit card and will use it for grocery shopping only since we have the money budgeted to pay it off every month.
Long road ahead, but I've never been scared of hard work.
Thanks again for all the advice.
PS. I know some of you don't like fords, but this car is much nicer than I would have thought. Hauls [non-permissible content removed] for a 4 banger.
Throwing a few extra bucks into the payment when you can afford it will definitely help, too. It would basically be the same as taking that money and investing it in a stock account that gets a 23% return on investment. And chances are, there aren't too many stocks today that are going to give you that kind of ROI!
A Ford? Oh hondapro we hardly knew ye.....
Actually this will get really nuts in here if Mazda is driving a Honda and honda is driving a Ford. Keep notes, gentlemen!
Mazda - have no idea which works better but have to imagine 02 Civics in what you want are a pretty rare bird.
"Mazda - have no idea which works better but have to imagine 02 Civics in what you want are a pretty rare bird. "
We all get tons of junk mails to offer credit card with 0% tease rate. If your friend can get bunch of them and take out the loan to pay off your car payment. Then you pay the same amount to your friend on a monthly base, but with a lower interest rate, say 10%. That way you save a lot on interest payment and you friend got about $1000 income a year out of nothing. The deal makes both of you are better off. When the tease rate expires, all your friend get to do is to take out some new cards and pay out the old ones. This apply to mazda as well. The key to pull this off is that you are a trustworthy person among your friends and some of your friends have a decent credit history. If this is the case, you don't even need to bother the bank finance. Good luck.
You kidding me right? Who is going to do that? And besides, I would never have the guts to ask anyone to do that. Not even my own parent.
And how am I going to rebuild my credit that way?
Great idea..... you should share this with fox news financial channel or cnn-fn..
You're all set on 03s.
Did I miss something?
Here are some recalls for 2002 trailblazers from the NHTSA website...make your own conclusions....
ON CERTAIN SPORT UTILITY VEHICLES, A FUEL FILTER FITTING CAN BECOME DISCONNECTED. IF THIS WERE TO OCCUR WHILE ATTEMPTING TO START THE ENGINE, A NO-START CONDITION WOULD RESULT AND FUEL WOULD BE PUMPED OUT THE FUEL FILTER ONTO THE GROUND.
IF THE FITTING BECOMES DISCONNECTED WHILE THE VEHICLE IS IN MOTION, THE ENGINE WOULD STOP DUE TO INADEQUATE FUEL SUPPLY AND CAUSE A LOSS OF POWER STEERING ASSIST. IF AN IGNITION SOURCE WERE PRESENT, FUEL LEAKAGE FROM A DISCONNECTED FUEL FILTER FITTING COULD RESULT IN A FIRE.
CERTAIN PASSENGER, MINI VANS, AND SPORT UTILITY VEHICLES HAVE AN AIR BAG INFLATOR ON THE DRIVER'S SIDE THAT COULD FRACTURE AT A WELD DURING A DEPLOYMENT.
PIECES OF THE INFLATOR COULD STRIKE AND INJURE VEHICLE OCCUPANTS AND THE AIR BAG CUSHION WOULD NOT INFLATE FULLY, REDUCING THE CAPABILITY OF THE BAG TO PROTECT THE DRIVER.
VEHICLE DESCRIPTION: SPORT UTILITY VEHICLES (4 WHEEL-DRIVE). SOME OF THESE VEHICLES WERE BUILT WITH A RANGE SHIFT COLLAR IN THE TRANSMISSION TRANSFER CASE THAT CONTAINS CRACKS.
THIS CONDITION COULD RESULT IN A COMPLETE FRACTURE OF THE RANGE SHIFT COLLAR AND SUBSEQUENT LOSS OF VEHICLE FORWARD AND REVERSE GEARS, AND THE INABILITY TO MAINTAIN "PARK" POSITION. THIS INCREASES THE RISK OF A VEHICLE CRASH RESULTING FROM UNINTENDED MOVEMENT OF A PARKED VEHICLE.
VEHICLE DESCRIPTION: SPORT UTILITY VEHICLES EQUIPPED WITH 4-WHEEL DRIVE. THE CALIBRATION OF THE TRANSFER CASE CONTROL MODULE COULD CAUSE INSUFFICIENT HIGH SPEED GEAR ENGAGEMENT.
IF THE GEAR IS NOT ENGAGED, THE VEHICLE CAN ROLL WHEN THE TRANSMISSION IS IN "PARK" AND A CRASH COULD RESULT WITHOUT WARNING.
VEHICLE DESCRIPTION: SPORT UTILITY VEHICLES. UNDER CERTAIN CIRCUMSTANCES THE FRONT LOWER CONTROL ARM BRACKETS MAY FRACTURE. THIS FRACTURE COULD RESULT IN SEPARATION OF THE FRONT LOWER CONTROL ARM FROM THE FRAME.
A SEPARATION COULD RESULT IN LOSS OF VEHICLE CONTROL, RESULTING IN A CRASH.
As for the cursing. The low class remain to prove how low they really are. I do hope that you get revoked.
1) fuel filter fitting. Yup, was recalled. fixed, and I havent heard of anyone blowing up.
2)PASSENGER, MINIVAN AND SPORTUTILITY passenger airbag... notice it doesnt say Trailblazer specifically? I'm amazed they found it since the cause is "during deployment" pretty good IMO.
3 and 4) Both were based on the Parking Pawl.. My TB fell into this and took them 10min to reprogram the PCM to fix. I did not have the cracked collar.
The Trailblazer, Envoy, and Bravada are brand new. New frame, engine, transmission settings, etc. What do you expect? The first year always has the problems... I have owned mine since 9/01 and I like it. (Wish I had an 03 TB, but they cost more, too) The only issue I have is that the suspension is a little soft in the rear, but the fix is coming(new shocks) $100. boohoo. IMHO, if you like it, get it. If you get the EXT, get the 5.3L. The mileage I don't think will change much....
Just my $.02
Me, I'm an import person myself, but was impressed with the TB, and IMHO for a clean sheet design of a vehicle, they did impressively well. Allbeit they have their issues, I have relatively few with mine(MPG, gotta get some lead out)
I guess I "could" get a flat tire today too.
Most are much ado about very little.
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