Buy Here Pay Here Dealer
 

My wife has a recently divorced friend who is a mess. She just had her car repo'ed today while at work.

Anyway, partly to keep my wife from becoming her taxi driver I'm putting feelers out for anyone that might know/own/work at a car place that caters to those with worse than bad credit and is less buzzardly than normal.

I'm of the opinion she hasn't hit bottom yet and won't turn things around until she does but she's deep into Lindsay Mode denial. The tough thing is she has two kids and the dad is threating to take her back to court to try and take away her custoday . . . . so my wife is struggling with it.

Any leads?


fire/aids tree/antifreeze/piihb/gaz

pics?

Damn, I missed that one.

She USED to be hot.

First of all, why would anyone want to finance a car for her when you describe her as someone who is less than responsible?

Secondly, the kids may actually be better off with the dad

I don't disagree with any of this.

http://www.metcalfautoplaza.com/

Saw their commercial once.
It's a starting point I guess

Tell her to buy a $500 car that will last her a few months. Going to a buy here pay here lot is a recipe for disaster.

This. Buy a cheap ****ing car and limp that ****er through for a while
Posted via Mobile Device

100% This. Sounds like a bad idea to go to one of those places now. Unless you're trying to help her reach rock bottom.
Posted via Mobile Device

This all day. Unless she is willing to work it off in trade.

Buy here pay here is a nightmare in most cases. That being said, if she is a 590 or so a regular bank/dealership will get her bought. I have seen 470s get bought under the right circumstances. I would exhaust every avenue of traditional financing before getting interest bombed by a buy here pay here lot.

If she's that bad, she'll likely need atleast 2k down and be prepared to pay crazy (15-20%) interest.

If thats the route she goes, just make double sure that they report to the credit bureau, so she can atleast start building better credit after biting the high interest bullet... many of those places dont report.

If she's got $2000 to put down, she should just buy a $1500 car and set $500 aside for repairs.

If she couldn't make the payment how can she make the down?

How has she not hit rock bottom? This sounds pretty bottom.

$1500 for a car these days, is almost wasted money.

You can get lucky and find a real gem once in a while, but in most instances they're not even worth driving, just a perpetual drag on the pocketbook.

Its usually better to pony up and get something as new and nice as possible.

Tell her to get her life together and then she can worry about a car.

I disagree
Posted via Mobile Device

You can get a year out of a $1500 car if you budget $500 for repairs. She will wind up paying more than that in interest in the first year if she takes out a high interest loan.

The reason you disagree is because you have the skills required to keep an old POS running.

lol. Wtf, a car isn't a luxury.

cash for clunkers destroyed the bottom end of the used car market, it drove up prices from the low end up.

This is my business day in and day out, that 1500 dollar car is gonna be a big POS in MOST CASES.

That being said I'm driving a 225k mile civic every day that I bought a couple years back for 1800 bucks.

YMMV.

Not true. I buy cars quite often from people.

Bought a 93 Taurus with 30,000 original miles for two hundred bucks a couple months ago. Guy was 100. Family didn't want him driving.

Sold it for 1500 and those people have had absolutely no issues.

Bought a 99 neon for three hundred, sold it for a grand. No problems in a year. Well nothing major.


Bought a 97 Olds 88 with a blown motor, put in an engine, had seven in it. Sold out for two thousand. That was nine months ago.
Posted via Mobile Device

Let me know what she needs and how much she has to spend in cash (if any) and I can probably get her something that will run reasonably well.

It's possible to get by without one.

Not with small kids. and how do you get to work if you don't live by a busstop? How do you get the kids to day care/ School?

McDonalds won't even give you a job without having a licenced car, unless you can prove your mom or roommate had one and is willing to drive you everyday.

And how exactly did this Bitch get to the point where car got repoed? Sickens me the people that sit around and let that happen. You have a car, which means you have a legit shot at making money everyday even if you don't have a job. Between scrapping metal, doing errands for people and day to day temp services, nobody with a working vehicle should be broke enough to lose it.

http://www.chiefsplanet.com/BB/showthread.php?t=201438

Here's an interesting thread in a similar vein.

Judgmental much? Damn, you got all this shit figured out!

Find a job closer to home, or a home closer to your job. School? I see these big slow-ass yellow things called school buses on the streets all the time.

Without a doubt. If she goes to one of those hack outfits, she will end up paying 3k for a $500 car by the time the dust settles.

The OP pretty much threw the opinion of this lady under the bus. There's no excuse for these people.

Yeah. She could buy a beater to last a year or two for under 2grand. But she needs someone trusty to buy/inspect and keep it running. But that is the problem.

I agree 100%, I have bought many cars in my young life, and in this economy you will be lucky to be able to find a running car for a thousand bucks. Jason, I hear what you're saying and I believe you, but in my area that is highly unlikely. I go to auctions and check CL and the paper, you will only find a solid car for a thousand bucks if you are in the right place at the right time. I have bought to cars for under a grand, they needed many repairs.

Yep, a while back I was looking at $1000 cars for my son. Out of the 20-25 I looked at, I only saw one that I would even consider letting him park in front of my house. They were that bad. You pretty much have to get up to at least the $2000 range for something decent.

Those gypsies will take her money and keep the car.

as a former car salesman and finance man for 18 years tell her to take her tax return if she gets one and buy a cheap car from craigslist from an individual. stay with a buick, olds, chevy something with a 3800 v6 they are real reliable and cheap with some miles on them. shemay have to buy a car a year but its still better than making a payment on something that will never last out the loan from a buy pay dealer. she can also carry liability on it and save more that way too so its a win win. hope this helps
goat

Just curious how much she owed on the previous car and why won't they work something out with her? How much was she behind on payments? I've been in a bad spot with a car loan before but I've always worked it out ahead of time. However, I've had friends who have had vehicles repoed and worked it out with the bank the next day.

I'm also wondering if she was that far behind that she couldn't afford to make them up, how is she going to make a down, get tags, insurance, and then monthly payments?

Heh.
Tell your wife to stay out it. Kid or kids sound like they would be better off with the father.
Even if he smokes pot & kills squirrels.

Smoking pot and killing squirrels is the new drinking tea and reading a book.

Huckleberry Finn

Auctions are the problem...

Can't believe you aren't getting the same/BETTER deals with the nature of your business
Posted via Mobile Device

Can she change a tire?

http://www.worldofstock.com/slides/TRC4775.jpg

Bitch needs to ride the bus right to the bottom.

She's kinda funny looking.

edit. Her face has angels like a stealth fighter

Oh OK, I'd suffer through that sexual experience I guess!

I thought that was a badass tattoo on her knee at first

She has nice pink toe nails.

As would I

And a running car too...

I wonder if she stands up when she paints her toenails.

Depending on what kind of car that is? The car could be hotter

Of course....it's a rule...

I cant touch my toes anymore

Perhaps it was this, then she touched it, IDK... I'd let her touch me to see if it changes anything...

http://www.albany.ga.us/images/junk-car-web.jpg

FYP man

Hurry before anyone sees

There's hope..

http://www.belicove.com/archives/bel...lPedicure2.jpg

LOL, done..

:p

Did somebody get the girl a car?

I heard Gochiefs gave her a ride.

She's gonna need another car seat!

Same here in Cincinnati. I spent the last three years trying to upgrade my two POS cars. Its definitely been a sellers market since the "cash for clunkers" program. If it's less than 20 y/o, less than 200k mileage, and runs, $2000 probably won't cut it.

This thread is pretty interesting because my car has been a money pit and ****ed up again on Christmas and I was thinking about going to a buy here pay here place.

Yeah auctions are a big issue, but the car market is saturated with junk that people think is worth something. Two years ago I bought a Supercharged 97 Riviera with a bad transmission for $400. I was thrilled, I figured I would have $500 or $600 into it (total of a grand) and sell it for 1500. Needless to say I have almost 3 grand into it now, and I will keep it until I get my moneys worth. Everyone in this area thinks that even though they car is broken that they can get top dollar, and a lot of idiots are paying high numbers on Craigs List. I had a chance to buy a 97 Jeep Grand Cherokee yesterday, it had 150K miles on it, it needed a cat. converter, transmission had internal issues, the tires were shot, and both pinion seals were leaking. That right there is $1200 at least (my cost), I figured if I could get the car for $500 I would still have some meat left. She tells me she has done some looking and has found cars like hers selling for $2500-$3000.00, I said, I believe that if they are in good running order which yours isn't. So I asked her again how much she wanted and she says "I won't take a dime under $1500". I told her that we were worlds apart, and that I would buy it for $500, she said that it was worth "at least $1500". Sometimes these interactions remind me of Pawn Stars, how people come in and want triple the value of their items (sometimes junk).

Dear Mr. Craash:

In a case of this nature, I suggest you consider contacting your local churches. Here in Nashville, cars are donated to churches all the time (I, myself, have done it). The donor is allowed a tax deduction and the church can use the vehicle for any number of purposes including giving said automobile to a person in need of transportation. For example, if it weren't for this system, many of the Lost Boys who relocated to Nashville would never have had a job or gone to school because they never would have had transportation. I'm sure other cities have similar programs.

Just an idea and probably worth a day of phone calls to local churches.

FAX

Buy Here Pay Here is legalized loan sharking. Of all the shit people worry about Uncle Sugar "fixing" for them, this should be on the top of the list. But it's not even on the radar because as a group, they have their lobbying shit together.

Bob Dole could go to one of many pawn shops locally and buy a $1500 vehicle that would last for at least a year. The trick to getting out of the hole is that she's going to have to make a monthly "car payment" to herself to a dedicated account so if/when it requires a repair that's not feasible, she has the money to replace it.

Cash for clunkers killed all the good used cars and jacked up the prices on the junk left....

Payday Loans, Buy Here Pay Here places, Tv rental centers are parasites that prey on the poor. Total scumbags.

Here's how you help her with a simple "Ten Step" program and you at the same time:

Step one: Set up a private room in your house

Step two: Put ad up on Chiefs Planet, Eros and Craigslist for her services at $300 per hour

Step three: Let her do her thing 6 times a day for one week. $1,800 a day x 5 days = $9,000

Step four: Give her $6,000, you keep $3,000

Step five: She gives you a "freebie" for helping her out

Step six: She buys her car

Step seven: Kick her out and disinfect the room

Step eight: Start thread on CP bragging about your recent business success

Step nine: Post photos on CP

Step ten: Draft Geno Smith

This looks like a winning formula to me! :D

move step 5 up to step 2.

Maybe if you were lucky.

ROFL

my 2nd car I bought for $700; 85 Camry back in 96. 275k miles; returned from my Navy A-School and drove it out to California. back in the pre-cell phone days, I can't believe I made that trip alone lol.

but yeah as someone mentioned, the cash for clunkers killed a good used car market.

You know, if Bob Dole wasn't saving to buy a tractor, he'd be seriously tempted to accept that challenge. :)

The 3.8 motor is a great motor. I have had a 2000 Buick LeSabre that I bought at 72k miles and took it to over 200k before I sold it, not a single issue outside of brakes, tires, general maint. They are pretty good cars if you get them with low mileage.

That's hilarious, I am too. What are you trying to buy? I'm looking for either a good old Farmall, or a Ford 8N.

Just something with a bucket that will handle a bush hog. BIL called yesterday and found a JD 750 for $3600 that has Bob Dole's attention. Bob Dole is going to defer to said BIL's trained JD mechanic expertise and 25+ years of farming experience to select the correct tool. Bob Dole doesn't know shit about tractors.