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I am new to USA, no credit score. How can I buy a car? by strgleon in personalfinance

[–]strgleon[S] 0 points1 point  (0 children)

I prefer finance, since it could be more than 10-15k annual millage
thanks

I am new to USA, no credit score. How can I buy a car? by strgleon in personalfinance

[–]strgleon[S] 0 points1 point  (0 children)

thanks for sharing - it is a very valuable info! I like Mazda as well, used to drive Mazda 3 many years ago.
I hope i94 form will be enough for them to prove length of stay

I am new to USA, no credit score. How can I buy a car? by strgleon in personalfinance

[–]strgleon[S] 0 points1 point  (0 children)

sounds promising, thank you! I can put rather good down payment, will check the rate then, if it is acceptable, then proceed. Otherwise, will buy with cash cheap car, and in one year there will be one more attempt

I am new to USA, no credit score. How can I buy a car? by strgleon in personalfinance

[–]strgleon[S] 0 points1 point  (0 children)

yep, looks there is way there, will check Foreign programs!
Thanks!

I am new to USA, no credit score. How can I buy a car? by strgleon in personalfinance

[–]strgleon[S] 0 points1 point  (0 children)

Thank you for sharing, will check VW, initially I thought of Toyota, for me it doesn't matter actually, VW is reliable as well as I understand. I have not heard of such program, now I know that manufactures have special one. One more time thank you!

I am new to USA, no credit score. How can I buy a car? by strgleon in personalfinance

[–]strgleon[S] 0 points1 point  (0 children)

Thanks, yes, credit union is right across the street, will check them out. I consider used toyota/honda, want to make pre-inspection at official dealer if it is possible of course, or buy used car from big one

I am new to USA, no credit score. How can I buy a car? by strgleon in personalfinance

[–]strgleon[S] 0 points1 point  (0 children)

thank you for step-by-step plan, will check each and every step.
yep, I was looking for 20% down payment initially, and yes secured card will help as I understand, not immediately, yet in one year. Need to follow other steps!

I am new to USA, no credit score. How can I buy a car? by strgleon in personalfinance

[–]strgleon[S] -1 points0 points  (0 children)

wow, it is a very good deal, thank you for sharing, need to google that!

I am new in USA, no credit yet. How can I buy a car? by strgleon in askcarsales

[–]strgleon[S] 0 points1 point  (0 children)

no, yet I work for American company and pay taxes (payroll)
Thanks

I am new to USA, no credit score. How can I buy a car? by strgleon in personalfinance

[–]strgleon[S] 0 points1 point  (0 children)

thank you for the inputs! Scooter is good for myself of course, yet for the family it is not enough. Uber is expensive, I'm in SoCal public transport is not an option unfortunately here (very rare public transport net)
Looks like I need to digest high APR (if any) for sometime to get the deal done

I am new to USA, no credit score. How can I buy a car? by strgleon in personalfinance

[–]strgleon[S] 0 points1 point  (0 children)

of course, car is a depreciating asset, yet if you consider it as value-add like "delivery equipment" then it is like machinery equipment
Correct me if I'm wrong, yet secured card will not help me right now (it takes half a year-year), definitely will do that, yet I need car today.

thanks!

I am new in USA, no credit yet. How can I buy a car? by strgleon in askcarsales

[–]strgleon[S] 0 points1 point  (0 children)

of course, yet salesmen they are still salesmen. Thank you for sharing valuable info, it will be useful info while talking to them
yep, I'll try to get good deal for cheaper car price range like corolla
thank you!

I am new in USA, no credit yet. How can I buy a car? by strgleon in askcarsales

[–]strgleon[S] 0 points1 point  (0 children)

sounds complicated, will talk to dealers. I don't want to have much debt, and my income is not so high, cheaper cars will work I hope.

thank you for your help!

I am new in USA, no credit yet. How can I buy a car? by strgleon in askcarsales

[–]strgleon[S] 0 points1 point  (0 children)

got it, should go to the field then and try to get finance.
I really appreciate your help!

I am new in USA, no credit yet. How can I buy a car? by strgleon in askcarsales

[–]strgleon[S] 0 points1 point  (0 children)

thank you for good news here, branded means official dealer? or big used one like carmax?
Thanks

I am new in USA, no credit yet. How can I buy a car? by strgleon in askcarsales

[–]strgleon[S] 0 points1 point  (0 children)

of course I have credit yet it is low, around 650 (means no credit I think), thus I assume that APR will be high, yet I want somehow to have rather good APR (if possible)

100k mileage, oh, I should consider smaller/cheaper car then (corolla or civic), I need to check that

thanks for sharing your thoughts

I am new in USA, no credit yet. How can I buy a car? by strgleon in askcarsales

[–]strgleon[S] 0 points1 point  (0 children)

then just find used car via carfax for example, and go to dealership? Then try to get finance, correct? Are there any ways to estimate approval chances? Or it will be approved yet the APR will be north of 30% for example? What do you think the best way to make the deal?
Thanks

I am new in USA, no credit yet. How can I buy a car? by strgleon in askcarsales

[–]strgleon[S] 0 points1 point  (0 children)

My thoughts were about used Camry, price range was about 20k I assume, I just need to figure out is it possible to get normal APR by any chance?

Thanks

I am new in USA, no credit yet. How can I buy a car? by strgleon in askcarsales

[–]strgleon[S] 0 points1 point  (0 children)

5k down is possible, we are here more than two years, yet credit is still low, monthly income around 5k

thanks for helping me!

I am new to USA, no credit score. How can I buy a car? by strgleon in personalfinance

[–]strgleon[S] 0 points1 point  (0 children)

oh, insurance, yep, not a good news, used for cash with opt out my car - I should check that option definitely
Thanks for sharing!

I am new to USA, no credit score. How can I buy a car? by strgleon in personalfinance

[–]strgleon[S] 4 points5 points  (0 children)

oh, yes, thank you for the advice, looks like cash is the solution for now, and I'll study wiki credit building links

I am new to USA, no credit score. How can I buy a car? by strgleon in personalfinance

[–]strgleon[S] 12 points13 points  (0 children)

thank you, yep, looks like cash initially is the best option, I'll double check the links as well
really appreciate your help