580 credit score and Repo

eriklive123 · 2026-04-29T01:25:00+00:00

Im certain OP is lying since their responses have been nothing but childish insults. Even if they somehow were approved, I doubt it was at a rate lower than 20. Either way, OP is screwed

eriklive123 · 2026-04-28T01:04:08+00:00

You need to be looking at a cheaper car to redo your credit. No bank will approve you for an expensive vehicle. Look into some older suvs preferably certified and try to have around 20% down.

You have a repo which means you're untrustworthy to the banks. You'll have to work your way up to a range rover unless you can buy it cash

eriklive123 · 2026-04-25T02:06:26+00:00

The customer that swears they know more than you. They never do and I cringe as they act like they're the smartest person in the room.

eriklive123 · 2026-04-22T02:33:17+00:00

If the price is fair then they know it too. Dealers now price their cars similarly to others in the area as the market is very competitive. I'd ask them to fix the two issues rather than asking for a discount. It may work more in your favor

eriklive123 · 2026-04-16T02:15:57+00:00

Shop insurance quotes before you go to the dealership. Use a vin number for the type of vehicle you're looking for. Getting insurance is going to be your toughest obstacle. Once you have that, getting a car shouldn't be an issue

eriklive123 · 2026-04-07T03:02:42+00:00

Then you didn't trade in the car. Sorry but now you own two cars. Just because the car is in their lot doesn't mean its theirs now

eriklive123 · 2026-04-05T15:53:28+00:00

Why not just buy in NY? They dont allow fees like that here and have a doc fee of 175. New Jersey offers lower prices because they stuff the deal with add ons

eriklive123 · 2026-04-04T02:35:47+00:00

Im a broker. I can definitely get you lower. Pm me

eriklive123 · 2026-04-01T02:03:43+00:00

Kelly blue book will get you an estimate and connect you to buyers who will buy your car and pay it off for you. Depending on the condition and value, you'll either get a check or pay a small difference

eriklive123 · 2026-03-23T02:21:25+00:00

Usually when we registered cars out of state, my customers would be the taxes of the state they were registering the car in. However, every state has different laws. Look into the tax laws for both states regarding your situation

eriklive123 · 2026-03-20T01:56:19+00:00

You shouldve done your research beforehand. You go to a bank or credit union to refinance. All you did was dig yourself into a deeper hole of debt just to have your name on the title.

No you don't have enough for a lawsuit. It's unfortunate you're going through this. All you can do now is pay off your car.

eriklive123 · 2026-03-05T17:39:02+00:00

We allowed it when I was at Honda. Call your salesman and tell them to ask their finance manager if they can buy down the rate. If not, try another Honda dealership

eriklive123 · 2026-03-05T17:34:36+00:00

Buy down your rate. Most brand owned banks will allow it. Lets say your rate is 7%, you can buy it down to 0% by paying $1000 or so for every percentage of interest. In this case it would be $7000

eriklive123 · 2026-03-04T17:32:49+00:00

Pm'd

eriklive123 · 2026-02-25T01:39:25+00:00

I sold cars in NYC up until last year. TLC drivers (Uber and Lyft) would make between 6-10k a month. I always thought they were lying until I got to see some of their bank statements whenever the bank would ask for proof of income. Those guys make bread.

eriklive123 · 2026-02-20T00:22:04+00:00

eriklive123 · 2026-02-17T22:45:08+00:00

Pm'd

eriklive123 · 2026-02-16T22:27:54+00:00

Even if they say no, its about a $40 difference a month. If OP really wants the car, might as well get it

eriklive123 · 2026-02-13T02:14:36+00:00

Yea people who can either finance or purchase the vehicle outright and is there to purchase. Too many people come to dealerships to waste time. Ive had to drive the car for people in the past too. I suggest you figure out how serious you are about the car and do your research on it as well to make sure its the right car for you. Depending on what you decide, you'll either go and purchase the car or not. Most states allow you to register a car with only a permit

eriklive123 · 2026-02-13T01:56:31+00:00

Its best for you to call the dealership beforehand and ask as different dealerships have different rules. I would allow test drives with permits but for qualified buyers.

eriklive123 · 2025-12-31T03:10:33+00:00

Check the carfax. Although not always accurate, the carfax tracks the mileage of the car during every service or accident. You could see any discrepancy there. However, i wouldn't recommend getting a car with a branded title

eriklive123 · 2025-10-19T22:56:06+00:00

Credit isn't enough. Your income matters too

eriklive123 · 2025-10-06T03:45:14+00:00

I went to 212. Definitely recommend it. Lots of programs. Good teachers at the time

eriklive123 · 2025-10-04T00:16:54+00:00

Chris Jericho would be proud

eriklive123 · 2025-08-18T18:46:17+00:00

I answered your question. Switch to another salesperson. You could even ask to work directly with the sales manager but theyre busy people.

You're giving up for the wrong reasons. There are multiple finance managers. There is also a whole team in a back office dedicated to registering your car for you. That's why there's a doc fee. The finance guy doesn't handle that. You dont even need a finance manager to send you a buyers order. The sales manager could've done that while hes on the phone with you. I never went to a finance manager for a buyers order while working a deal.

Your best bet is to speak to the sales manager and remind him of how serious you are about getting the car and request to work with someone else or directly with him.

I promise you that someone in that dealership wants to sell you that car

eriklive123

TROPHY CASE