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Unread 06-11-2013, 06:30 PM   #1
jlaudio_jeep
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trying to buy an 06 Rubicon

I filled out the credit app and gave them the information on my trade ins. Hopefully all goes well and I am driving my new Rubicon home on Saturday night. I will be trading in my 2000 Jeep Wrangler SE and a 2004 Chrysler Pacifica all wheel drive. I have a good credit rating but for some reason I have trouble getting approved for auto loans. I think the fact that I am trading in two vehicles and only buying one is going to help me get approved. This Jeep has 35,000 miles and it's a six speed manual. It's white with dark gray interior. The positive side to this is that it already has the bumper I wanted to buy for my current Jeep so I won't have to do that mod.

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Unread 06-11-2013, 06:31 PM   #2
jlaudio_jeep
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I would add pictures but this site won't allow pictures that big. I don't know how to make them smaller so I can post them.
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Unread 06-11-2013, 07:07 PM   #3
NotURMailman
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Microsoft Office Picture Manager is the easiest way to resize pictures, and any computer with Microsoft Office should have it...


Good luck, and congrats!
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Unread 06-11-2013, 07:13 PM   #4
jlaudio_jeep
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I'm using a cell phone so I guess no pictures.
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Unread 06-11-2013, 07:18 PM   #5
samiam2714
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Good Luck!!! I hope all goes well for you. It sounds like the almost exactly trade I made to get mine I have terrible credit and only traded in one vehicle. So its gotta happen for you.
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Unread 06-11-2013, 07:39 PM   #6
jlaudio_jeep
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I have a 680 and a 618 I'm not sure what my third credit score is but I was turned down for two auto loans before this a few months ago. They were for about five thousand dollars more and I was only trading in one of my cars so maybe this way I can get what I want.
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Unread 06-12-2013, 05:44 PM   #7
Empir3x
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thats not a good score fyi. But....... with those two trade in's you should be good because the loan value should be very low. Good luck!!!
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Unread 06-13-2013, 09:53 AM   #8
Adam013085
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Do you still owe on either vehicle? If not why not sell one outright and trade the other in? You could have a few k more if done this way. Alternatively you could sell both vehicles and probably finance a fairly small amount, although with that you risk going jeepless or carless... Also they do not only look at your credit score. Your debt to income ratio has a lot to do with it too. Most places I checked stay between 45-55% which is too much IMO.
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Unread 06-13-2013, 09:55 AM   #9
jlaudio_jeep
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I work at a dealership.
This is how we rate credit

400s bad
500s poor
600s good
700s excellent
800s perfect
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Unread 06-13-2013, 09:56 AM   #10
Adam013085
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plus debt to income ratio....
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Unread 06-13-2013, 10:14 AM   #11
jlaudio_jeep
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I pay 560 a month for my debt. 400 is for my two car loans. So I will be at 160 + bills without them. I owe on them but not too much. I should have a little extra to use towards the jeep as a down payment after they are paid for.
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Unread 06-16-2013, 10:25 AM   #12
joe108
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Sell your cars on your own, the dealer is there to give you as little as possible for your trade-in(s) and get you to pay as much as possible on the vehicle your getting, that's just the way it works.
Don't be in a rush to get what ever is on the dealer lot, there will be more vehicles that match your needs/desires.
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Unread 06-16-2013, 11:07 AM   #13
jlaudio_jeep
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Quote:
Originally Posted by joe108 View Post
Sell your cars on your own, the dealer is there to give you as little as possible for your trade-in(s) and get you to pay as much as possible on the vehicle your getting, that's just the way it works.
Don't be in a rush to get what ever is on the dealer lot, there will be more vehicles that match your needs/desires.
I work at a dealer so I know. I'm trying to sell them now but I also know how to get a decent deal out of them.
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Unread 06-17-2013, 06:01 PM   #14
grogie
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Your credit scores aren't good and I'm not surprised that you've had a hard time getting a loan. Do yourself a favor and sell one car and get your loans paid off, then save up for a nice downpayment or better yet pay cash. Paying interest sucks when you could instead keep that money for yourself.
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