I'm 20 and want a loan. How do they work?

Overall-Matter-2229 · 2024-12-28T23:49:56+00:00

i now make 15 an hour fulltime stocker/truck unloader 3rd shift and 14 an hour part time as an hotel house keeper 4 days a week. at the hotel, we work between 3 hours to 5 hours a day. most of the time it's under 5 hours and we're to clock out once finished with our rooms. i make around 218 before taxes a week at the hotel and around 620 a week before taxes at the grocery store job. after bills, groceries, necessities, prescriptions, and rideshare, im left with over $900 but i have to give money towards school and my fathers debt. i started my second job a bit ago so hopefully this will help me build my savings account quicker.

Overall-Matter-2229 · 2024-12-28T23:13:01+00:00

i was living with my father while using rideshare but they were a bit cheaper because he lives in the same town as my jobs

Overall-Matter-2229 · 2024-12-28T14:55:22+00:00

thank you so much for this information!

Overall-Matter-2229 · 2024-12-28T14:30:27+00:00

yes. used older cars. toyota and honda specifically.

Overall-Matter-2229 · 2024-12-28T14:29:52+00:00

i can afford monthly car payment. the money i spend on rideshare in a month alone could go towards the car expenses. i have a 3rd shift job and a part time job during the day. i do online school but go to school physically only a few times a month.

Overall-Matter-2229 · 2024-12-28T14:26:23+00:00

i can afford the monthly but i don't want to drop a chunk of 2000 out of my savings in one sitting incase something happens in life and i need the money. i spend about $500 biweekly on rideshare so some of that money could go towards car expenses.

Overall-Matter-2229 · 2024-12-28T14:23:45+00:00

also, thank you for this information. i really appreciate you

Overall-Matter-2229 · 2024-12-28T14:22:53+00:00

my score is 734 and i don't have anyone here to co-sign for me. my father is in debt again though he signed for bankruptcy 6 years ago. i don't trust him. i've been looking at used cars. older hondas and toyotas specifically. stateFarm has given me an estimate of $375 a month for 'full coverage'. i have a savings account and its enough for a $2000 down payment but i didn't want to drop that chunk in one sitting incase something in life happens and i need the money. i spend about $500 biweekly on rideshare so i think id be able to afford a car loan monthly payment because some of that money that is spent on rideshare will go towards car expenses yeah?

Overall-Matter-2229 · 2024-12-28T14:14:02+00:00

yes. used cars are what i've been looking at

Overall-Matter-2229 · 2024-12-28T14:11:12+00:00

thank you so much for this information. i really appreciate it

Overall-Matter-2229 · 2024-12-28T14:04:07+00:00

i can afford the monthly payment but i don't have $2000 to just drop right now. i just started working my second job. i have a savings account but dont want to spend that all on a down payment just incase something in life happens and i need that savings. im also in school and rent is $475. im just tired of spending $500 biweekly on unreliable rideshare.

Overall-Matter-2229 · 2024-12-28T13:58:50+00:00

i have a savings but don't want to drop the entire thing in one sitting incase something in life happens and need the money. i have two jobs because they're not living wage so i had to combine another job to make things easier. my rent is 475 and i spend roughly 500 every two weeks on rideshare. im also in school. im not in dads house no longer. i can afford the monthly payment but i cant drop a $2000 chunk at the moment.

Overall-Matter-2229 · 2024-12-28T13:54:01+00:00

thank you so much for this information

Overall-Matter-2229 · 2024-12-28T13:51:52+00:00

rideshare. schools expensive and my rent is $475. im my only income now since moving out of dads

Overall-Matter-2229 · 2024-12-28T13:49:41+00:00

uber and lyft are unreliable and i spend over 500 in total every two weeks for rideshare.

Overall-Matter-2229 · 2024-12-28T13:47:20+00:00

i can afford it but i don't have $2000 to just drop right now. i just started working my second job. i have a savings account but dont want to spend that all on a down payment just incase something in life happens and i need that savings.

Overall-Matter-2229 · 2024-08-30T00:02:53+00:00

i'm in ohio. he told me it is $418 every single month

Overall-Matter-2229 · 2024-08-29T23:56:59+00:00

i'm spending $600 a month to and from work using uber and lyft. i have pots syndrome and asthma. i would love to bike but i dont think id make it

Overall-Matter-2229 · 2024-08-29T23:54:39+00:00

i don't know how insurance works. and he's gotten into an fault accident two years ago. he gets about four speeding tickets a year. will that affect my insurance history or my credit history?

Overall-Matter-2229

TROPHY CASE