the car is from a private seller, I have no access to a co-signer. do you have any recommendations for credit unions? In my experience credit unions are even harder on those without perfect credit.
I find this whole thing asinine, I want to get a $16,000 loan for a $28,000 car, I make about $2,600 a month net with only $400 a month debt. Where is the risk? even if I default on the loan right away wont the lender have a car worth $28,000 that they paid $16,000 for?
I dont get it.
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