you will pay a higher interest rate on a used car than a new car.
For example my dad got a new is350 and is paying in his 4 year finance the same amount i'm paying in 1 (YES ONE) year of interest. and his car was more expensive MSRP.
That said, 10% is way too much. I'd try to artificially boost your credit score. IE: if you pay 500 bucks a month on your CC / loans, do it twice a month 250/pop. It will inflate it a bit but not much. Maybe enough to make the difference.
Worst of all though, don't over extend yourself. And if you plan on overextending for your car I would seriously look at cutting back on other aspects of your lifestyle to not go into an endless spiral of debt.
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