I will be starting my residency in July this year. I would like to purchase a second hand car (4000-5000 bucks) before that. I know that the monthly residency stipend is close to 3200 bucks. Can auto financing be an option for me? I have limited credit history and was wondering what all options would be available to me. I would like to have the smallest downpayment possible. Any insights?

2005 Buick Rendevous has 39000 miles and I owe 19000.00. My payments are 459.00 per month. I need them below 290.00 a month or I’ll have to let it be repocessed. Is there any kind of finance company out there that will help my needs???

Are there any companies or websites that help people with bad credit refinance their car? I live in Arizona.

Auto Loan- Chapter 7 Bankruptcy discharged 1 week ago?
I had filed for Chapter 7 Bankruptcy which was discharged 1 week ago. My immediate requirement is to purchase /lease an automobile. Can someone eceommed some companies who will finance me in this situation. I have been told that not too many dealers offer programs for indiciudlas like myself and the ones that do, take a great advantage of situation by offering high ionterets rates and no additional discounts .
4 minutes ago – 3 days left to answer

Here’s the sob story: I have a 2005 Acura TL with almost 70k miles on it. I owe 32k still on it at a 15.9% interest rate. My payments are almost 0 per month. Yes, you read that right. I have about five years left to pay on it. I recently became a student again and am no longer making the income I used to. I need to get out of this car and into something cheaper. From what dealers have told me, i’m around 10-12 thousand dollars upside down, depending on who buys it.

I’m in a bad spot. I don’t have the money to cover the negative equity, and have pretty bad credit. I’d be willing to do a voluntary reposession on it (its financed through Honda) except that i’ve read, heard and been told (by honda) that they will try and recoup any difference between what the car was sold for at auction and what is left on the loan by any possible legal means.

So in summation, an 0 car payment each month really makes my life miserable. Does anybody know of any remedy for this situation. If all your answer involves is something along the lines of "your fault you got into this situation, suck it up and ride it out" then save yourself time and don’t respond. I’m looking for helpful advice from people who KNOW what they’re talking about. Thanks for any helpful advice you can give.

in credit counseling and are in a debt management program. We are making payments on time with no problems and have a reference letter from the counseling agency to present to financing departments. We have been turned down for financing by our credit union because of the DMP. Will a dealer be more likely to look at a DMP as a positive? Will we be able to get financed at a dealer w/o the "buy here pay here" ?

If I look under "personal loans" on their website, I see they offer auto financing. But what about REfinancing, or does this count as the same thing?
If not, can you recommend any reputable companies through which I can refinance my car?
Thanks!

I actually have a zero credit score and need a new car. I have a great job, make approx 40 a month gross and bring home approx 44 been employed with current employer for 2 1/2 years, and previous employment I was with for 4 1/2 years. I have zero to put down due to my hubby’s layoff and our depleted savings, I do have a trade in 2001 Ford Focus probably worth about 00-00, but would like to put -0- down if it’s possible.