hello, im a college student and wanna get car loan. i dont have a job here right now, and i dont think i have credit here. however, my parents give me a certain amount of money from other country every month. Im permanent american citizen, but my parents are not. So i can’t get my parents as my co-signer. And i wanna know is it possible for me to get car loan? thnak you very much.
so the interest rate would be like 20%? or even heigher?
i have been doing a lot of research on website about car loan, and i still don’t know how do i get it, any people can help me?
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Yes , but you can expect to pay an outrages interest rate. Might be easier for your parents to borrow the money in their country and to send it to you/
Without a co-signer, an established credit history, or a job, you will find it difficult to impossible to get a loan.
DO NOT be tempted get a loan from a “buy-here-pay-here” used car dealer, who will sell you an overpriced junk car, set strict payment terms, charge outrageous interest rate, and will repossess the car when you are late for one payment.
I suggest finding a friend or family member who will either co-sign for you or loan/give you the money you need to get a good older-model used car until you can get better established financially.
Good luck.
I would ask them to send you enough money to pay cash for a car. That’s just about your only option. Without a job or credit, you chances are slim to none on getting financed. When you tell them that your money comes from an allowance your parents send to you from over seas, you may get laughed out of the bank. Sorry.