I want to buy a Nissan Cube in the next couple of weeks. I have ,000 to put down and the car will be around ,000 I tried to get a auto loan from my bank and I got denied. My credit score is 601. I have no debt, I paid everything off 2 years ago, no major credit cards (bc my credit is so bad I can’t get one), I make ,000+/year so I can afford it. My debt was no more than 00 and I have never owned or rented a house. Is there any place that I can go in the Houston, Texas area that will approve me with a not so high interest rate? Thanks in advance. It wouldn’t be such a big deal but my current car is hanging by a thread and will cost 00 to fix and I refuse to put that much money into it again.
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I would visit a Nissan dealership, pick a Cube with the features you want, and have them work out some numbers for you. As long as you don’t go crazy with options, you may be able to keep the price (with taxes and license) under $20,000. If you can put $6,000 down and get something in trade for your current car, you may be looking at financing just $12,000.
Even with a credit score of 601, you should be able to obtain financing for $12,000 if you don’t have any blemishes in your credit history.
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