Current Events > My girlfriend got a car a year ago with terrible interest

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Mark_DeRosa 08/29/17 4:12:03 PM #1:	Like 25 percent interest, her parents didn't want to co sign and her credit is bad. Her previous car was totaled She paid a couple grand in payments in the year and only 350 of it took off the car Jesus. I thought my interest rate was high at 4 percent lol. Idk what to tell her to do --- Steve Nash \| 13\| Phoenix Suns \| PPG: 16.9 \| RPG: 3.60 \| APG 11.3 \| EFF: +22.96 http://www.gifsoup.com/view3/2283379/dance-o.gif <cite>Mark_DeRosa posted [p:885669771] in My girlfri... [t:75721024]...</cite> <quote>Like 25 percent interest, her parents didn't want to co sign and her credit is bad. Her previous car was totaled She paid a couple grand in payments in the year and only 350 of it took off the car Jesus. I thought my interest rate was high at 4 percent lol. Idk what to tell her to do</quote> ... Copied to Clipboard!
--kresnik-- 08/29/17 4:13:30 PM #2:	Dude, she might be looking to you as a way to pay this shit. One user claimed his gf berated him for not selling his family home to pay her debts. --- "I don't get mad. I am better than you. All members of antifa are better humans than you." - YourAlt <cite>--kresnik-- posted [p:885669850] in My girlfri... [t:75721024]...</cite> <quote>Dude, she might be looking to you as a way to pay this shit. One user claimed his gf berated him for not selling his family home to pay her debts.</quote> ... Copied to Clipboard!
Mark_DeRosa 08/29/17 4:13:59 PM #3:	--kresnik-- posted... Dude, she might be looking to you as a way to pay this shit. One user claimed his gf berated him for not selling his family home to pay her debts. Oh no she's not lol --- Steve Nash \| 13\| Phoenix Suns \| PPG: 16.9 \| RPG: 3.60 \| APG 11.3 \| EFF: +22.96 http://www.gifsoup.com/view3/2283379/dance-o.gif <cite>Mark_DeRosa posted [p:885669887] in My girlfri... [t:75721024]...</cite> <quote><cite>--kresnik-- posted...</cite> <quote>Dude, she might be looking to you as a way to pay this shit. One user claimed his gf berated him for not selling his family home to pay her debts.</quote> Oh no she's not lol</quote> ... Copied to Clipboard!
OrtegaTron 08/29/17 4:14:07 PM #4:	Go back in time and tell her to buy something she can afford? --- The red flag is false hope <cite>OrtegaTron posted [p:885669897] in My girlfri... [t:75721024]...</cite> <quote>Go back in time and tell her to buy something she can afford?</quote> ... Copied to Clipboard!
Muffinz0rz 08/29/17 4:14:10 PM #5:	Yeah if she ever even implies or hints that she wants money, that's when you bolt. --- Not changing this sig until Pat Benatar is in Super Smash Bros. (Started 8/31/2010) <cite>Muffinz0rz posted [p:885669901] in My girlfri... [t:75721024]...</cite> <quote>Yeah if she ever even implies or hints that she wants money, that's when you bolt.</quote> ... Copied to Clipboard!
AngelsNAirwav3s 08/29/17 4:14:11 PM #6:	I just lease, brand new car every 3 years --- Hello world! <cite>AngelsNAirwav3s posted [p:885669904] in My girlfri... [t:75721024]...</cite> <quote>I just lease, brand new car every 3 years</quote> ... Copied to Clipboard!
Solid Snake07 08/29/17 4:14:23 PM #7:	That was dumb. She needs to sell her car and pay off that loan asap. Loans like that should be illegal --- "People incapable of guilt usually do have a good time" -Detective Rust Cohle <cite>Solid Snake07 posted [p:885669913] in My girlfri... [t:75721024]...</cite> <quote>That was dumb. She needs to sell her car and pay off that loan asap. Loans like that should be illegal</quote> ... Copied to Clipboard!
Mark_DeRosa 08/29/17 4:16:10 PM #8:	Muffinz0rz posted... Yeah if she ever even implies or hints that she wants money, that's when you bolt. We've been together like 3 years and have our own place lol. I've helped her on a payment or two. --- Steve Nash \| 13\| Phoenix Suns \| PPG: 16.9 \| RPG: 3.60 \| APG 11.3 \| EFF: +22.96 http://www.gifsoup.com/view3/2283379/dance-o.gif <cite>Mark_DeRosa posted [p:885670025] in My girlfri... [t:75721024]...</cite> <quote><cite>Muffinz0rz posted...</cite> <quote>Yeah if she ever even implies or hints that she wants money, that's when you bolt.</quote> We've been together like 3 years and have our own place lol. I've helped her on a payment or two.</quote> ... Copied to Clipboard!
Mizznox 08/29/17 4:16:12 PM #9:	Has she been making all the payments on time for the past year? It might be worth looking into refinancing. --- http://i.imgur.com/cZmZwYj.jpg <cite>Mizznox posted [p:885670028] in My girlfri... [t:75721024]...</cite> <quote>Has she been making all the payments on time for the past year? It might be worth looking into refinancing.</quote> ... Copied to Clipboard!
Mark_DeRosa 08/29/17 4:17:36 PM #10:	Mizznox posted... Has she been making all the payments on time for the past year? It might be worth looking into refinancing. She's made all the payments, not on time, she went a bit without a job, but she just made this months and next months purchase --- Steve Nash \| 13\| Phoenix Suns \| PPG: 16.9 \| RPG: 3.60 \| APG 11.3 \| EFF: +22.96 http://www.gifsoup.com/view3/2283379/dance-o.gif <cite>Mark_DeRosa posted [p:885670115] in My girlfri... [t:75721024]...</cite> <quote><cite>Mizznox posted...</cite> <quote>Has she been making all the payments on time for the past year? It might be worth looking into refinancing.</quote> She's made all the payments, not on time, she went a bit without a job, but she just made this months and next months purchase</quote> ... Copied to Clipboard!
Muffinz0rz 08/29/17 4:18:00 PM #11:	Mark_DeRosa posted... Muffinz0rz posted... Yeah if she ever even implies or hints that she wants money, that's when you bolt. We've been together like 3 years and have our own place lol. I've helped her on a payment or two. Bolt. --- Not changing this sig until Pat Benatar is in Super Smash Bros. (Started 8/31/2010) <cite>Muffinz0rz posted [p:885670137] in My girlfri... [t:75721024]...</cite> <quote><cite>Mark_DeRosa posted...</cite> <quote><cite>Muffinz0rz posted...</cite> <quote>Yeah if she ever even implies or hints that she wants money, that's when you bolt.</quote> We've been together like 3 years and have our own place lol. I've helped her on a payment or two.</quote> Bolt.</quote> ... Copied to Clipboard!
OrtegaTron 08/29/17 4:19:49 PM #12:	Solid Snake07 posted... That was dumb. She needs to sell her car and pay off that loan asap. Loans like that should be illegal If you're stupid enough to sign something like this, it's really your own fault (not you, TCs girl). --- The red flag is false hope <cite>OrtegaTron posted [p:885670246] in My girlfri... [t:75721024]...</cite> <quote><cite>Solid Snake07 posted...</cite> <quote>That was dumb. She needs to sell her car and pay off that loan asap. Loans like that should be illegal</quote> If you're stupid enough to sign something like this, it's really your own fault (not you, TCs girl).</quote> ... Copied to Clipboard!
Mark_DeRosa 08/29/17 4:20:41 PM #13:	Muffinz0rz posted... Mark_DeRosa posted... Muffinz0rz posted... Yeah if she ever even implies or hints that she wants money, that's when you bolt. We've been together like 3 years and have our own place lol. I've helped her on a payment or two. Bolt. That's not how it works bud --- Steve Nash \| 13\| Phoenix Suns \| PPG: 16.9 \| RPG: 3.60 \| APG 11.3 \| EFF: +22.96 http://www.gifsoup.com/view3/2283379/dance-o.gif <cite>Mark_DeRosa posted [p:885670304] in My girlfri... [t:75721024]...</cite> <quote><cite>Muffinz0rz posted...</cite> <quote><cite>Mark_DeRosa posted...</cite> <quote><cite>Muffinz0rz posted...</cite> <quote>Yeah if she ever even implies or hints that she wants money, that's when you bolt.</quote> We've been together like 3 years and have our own place lol. I've helped her on a payment or two.</quote> Bolt.</quote> That's not how it works bud</quote> ... Copied to Clipboard!
Muffinz0rz 08/29/17 4:31:14 PM #14:	Mark_DeRosa posted... Muffinz0rz posted... Mark_DeRosa posted... Muffinz0rz posted... Yeah if she ever even implies or hints that she wants money, that's when you bolt. We've been together like 3 years and have our own place lol. I've helped her on a payment or two. Bolt. That's not how it works bud You're saying you don't have full control of your own money? --- Not changing this sig until Pat Benatar is in Super Smash Bros. (Started 8/31/2010) <cite>Muffinz0rz posted [p:885670878] in My girlfri... [t:75721024]...</cite> <quote><cite>Mark_DeRosa posted...</cite> <quote><cite>Muffinz0rz posted...</cite> <quote><cite>Mark_DeRosa posted...</cite> <quote><cite>Muffinz0rz posted...</cite> <quote>Yeah if she ever even implies or hints that she wants money, that's when you bolt.</quote> We've been together like 3 years and have our own place lol. I've helped her on a payment or two.</quote> Bolt.</quote> That's not how it works bud</quote> You're saying you don't have full control of your own money?</quote> ... Copied to Clipboard!
Mark_DeRosa 08/29/17 4:43:48 PM #15:	Muffinz0rz posted... Mark_DeRosa posted... Muffinz0rz posted... Mark_DeRosa posted... Muffinz0rz posted... Yeah if she ever even implies or hints that she wants money, that's when you bolt. We've been together like 3 years and have our own place lol. I've helped her on a payment or two. Bolt. That's not how it works bud You're saying you don't have full control of your own money? Uh no? I'm saying I'm not going to leave my girlfriend of 3 years that I love with because she needed help on a car payment --- Steve Nash \| 13\| Phoenix Suns \| PPG: 16.9 \| RPG: 3.60 \| APG 11.3 \| EFF: +22.96 http://www.gifsoup.com/view3/2283379/dance-o.gif <cite>Mark_DeRosa posted [p:885671544] in My girlfri... [t:75721024]...</cite> <quote><cite>Muffinz0rz posted...</cite> <quote><cite>Mark_DeRosa posted...</cite> <quote><cite>Muffinz0rz posted...</cite> <quote><cite>Mark_DeRosa posted...</cite> <quote><cite>Muffinz0rz posted...</cite> <quote>Yeah if she ever even implies or hints that she wants money, that's when you bolt.</quote> We've been together like 3 years and have our own place lol. I've helped her on a payment or two.</quote> Bolt.</quote> That's not how it works bud</quote> You're saying you don't have full control of your own money?</quote> Uh no? I'm saying I'm not going to leave my girlfriend of 3 years that I love with because she needed help on a car payment</quote> ... Copied to Clipboard!
Muffinz0rz 08/29/17 4:47:29 PM #16:	Mark_DeRosa posted... Muffinz0rz posted... Mark_DeRosa posted... Muffinz0rz posted... Mark_DeRosa posted... Muffinz0rz posted... Yeah if she ever even implies or hints that she wants money, that's when you bolt. We've been together like 3 years and have our own place lol. I've helped her on a payment or two. Bolt. That's not how it works bud You're saying you don't have full control of your own money? Uh no? I'm saying I'm not going to leave my girlfriend of 3 years that I love with because she needed help on a car payment You set the precedent. Your money is now hers. A car payment now, next an STD test, soon a dental bill later, and before you know it, you'll be fully supporting another human. --- Not changing this sig until Pat Benatar is in Super Smash Bros. (Started 8/31/2010) <cite>Muffinz0rz posted [p:885671730] in My girlfri... [t:75721024]...</cite> <quote><cite>Mark_DeRosa posted...</cite> <quote><cite>Muffinz0rz posted...</cite> <quote><cite>Mark_DeRosa posted...</cite> <quote><cite>Muffinz0rz posted...</cite> <quote><cite>Mark_DeRosa posted...</cite> <quote><cite>Muffinz0rz posted...</cite> <quote>Yeah if she ever even implies or hints that she wants money, that's when you bolt.</quote> We've been together like 3 years and have our own place lol. I've helped her on a payment or two.</quote> Bolt.</quote> That's not how it works bud</quote> You're saying you don't have full control of your own money?</quote> Uh no? I'm saying I'm not going to leave my girlfriend of 3 years that I love with because she needed help on a car payment</quote> You set the precedent. Your money is now hers. A car payment now, next an STD test, soon a dental bill later, and before you know it, you'll be fully supporting another human.</quote> ... Copied to Clipboard!
DezCaughtIt 08/29/17 4:53:35 PM #17:	Muffinz0rz posted... Mark_DeRosa posted... Muffinz0rz posted... Mark_DeRosa posted... Muffinz0rz posted... Mark_DeRosa posted... Muffinz0rz posted... Yeah if she ever even implies or hints that she wants money, that's when you bolt. We've been together like 3 years and have our own place lol. I've helped her on a payment or two. Bolt. That's not how it works bud You're saying you don't have full control of your own money? Uh no? I'm saying I'm not going to leave my girlfriend of 3 years that I love with because she needed help on a car payment You set the precedent. Your money is now hers. A car payment now, next an STD test, soon a dental bill later, and before you know it, you'll be fully supporting another human. Look at this bitter nerd --- *The user formally known as freakofnature30* ROCK FLAAAAG AND EAAAAAAAAAGLLLLLLLE <cite>DezCaughtIt posted [p:885672097] in My girlfri... [t:75721024]...</cite> <quote><cite>Muffinz0rz posted...</cite> <quote><cite>Mark_DeRosa posted...</cite> <quote><cite>Muffinz0rz posted...</cite> <quote><cite>Mark_DeRosa posted...</cite> <quote><cite>Muffinz0rz posted...</cite> <quote><cite>Mark_DeRosa posted...</cite> <quote><cite>Muffinz0rz posted...</cite> <quote>Yeah if she ever even implies or hints that she wants money, that's when you bolt.</quote> We've been together like 3 years and have our own place lol. I've helped her on a payment or two.</quote> Bolt.</quote> That's not how it works bud</quote> You're saying you don't have full control of your own money?</quote> Uh no? I'm saying I'm not going to leave my girlfriend of 3 years that I love with because she needed help on a car payment</quote> You set the precedent. Your money is now hers. A car payment now, next an STD test, soon a dental bill later, and before you know it, you'll be fully supporting another human.</quote> Look at this bitter nerd</quote> ... Copied to Clipboard!
Mark_DeRosa 08/29/17 4:56:47 PM #18:	Muffinz0rz posted... Mark_DeRosa posted... Muffinz0rz posted... Mark_DeRosa posted... Muffinz0rz posted... Mark_DeRosa posted... Muffinz0rz posted... Yeah if she ever even implies or hints that she wants money, that's when you bolt. We've been together like 3 years and have our own place lol. I've helped her on a payment or two. Bolt. That's not how it works bud You're saying you don't have full control of your own money? Uh no? I'm saying I'm not going to leave my girlfriend of 3 years that I love with because she needed help on a car payment You set the precedent. Your money is now hers. A car payment now, next an STD test, soon a dental bill later, and before you know it, you'll be fully supporting another human. I'll gladly support my girlfriend if I had too. She keeps the place clean, she cooks everyday, she takes cares of our puppy every day with training, feeding, taking him out. You're just being weird --- Steve Nash \| 13\| Phoenix Suns \| PPG: 16.9 \| RPG: 3.60 \| APG 11.3 \| EFF: +22.96 http://www.gifsoup.com/view3/2283379/dance-o.gif <cite>Mark_DeRosa posted [p:885672297] in My girlfri... [t:75721024]...</cite> <quote><cite>Muffinz0rz posted...</cite> <quote><cite>Mark_DeRosa posted...</cite> <quote><cite>Muffinz0rz posted...</cite> <quote><cite>Mark_DeRosa posted...</cite> <quote><cite>Muffinz0rz posted...</cite> <quote><cite>Mark_DeRosa posted...</cite> <quote><cite>Muffinz0rz posted...</cite> <quote>Yeah if she ever even implies or hints that she wants money, that's when you bolt.</quote> We've been together like 3 years and have our own place lol. I've helped her on a payment or two.</quote> Bolt.</quote> That's not how it works bud</quote> You're saying you don't have full control of your own money?</quote> Uh no? I'm saying I'm not going to leave my girlfriend of 3 years that I love with because she needed help on a car payment</quote> You set the precedent. Your money is now hers. A car payment now, next an STD test, soon a dental bill later, and before you know it, you'll be fully supporting another human.</quote> I'll gladly support my girlfriend if I had too. She keeps the place clean, she cooks everyday, she takes cares of our puppy every day with training, feeding, taking him out. You're just being weird</quote> ... Copied to Clipboard!
Muffinz0rz 08/29/17 5:04:11 PM #19:	Mark_DeRosa posted... I'll gladly support my girlfriend if I had too. She keeps the place clean, she cooks everyday, she takes cares of our puppy every day with training, feeding, taking him out. You're just being weird Damn she got you good, it's too late for you to bolt now --- Not changing this sig until Pat Benatar is in Super Smash Bros. (Started 8/31/2010) <cite>Muffinz0rz posted [p:885672726] in My girlfri... [t:75721024]...</cite> <quote><cite>Mark_DeRosa posted...</cite> <quote>I'll gladly support my girlfriend if I had too. She keeps the place clean, she cooks everyday, she takes cares of our puppy every day with training, feeding, taking him out. You're just being weird</quote> Damn she got you good, it's too late for you to bolt now</quote> ... Copied to Clipboard!
Super Saiyan 3 Goku 08/29/17 5:05:29 PM #20:	Hope it's all worth it. What car is it? --- When it is obvious that the goals cannot be reached, don't adjust the goals, adjust the action steps. - Confucius <cite>Super Saiyan 3 Goku posted [p:885672802] in My girlfri... [t:75721024]...</cite> <quote>Hope it's all worth it. What car is it?</quote> ... Copied to Clipboard!
Mark_DeRosa 08/29/17 5:06:06 PM #21:	2012 scion. I told her to just get rid of it and pay off the rest of the loan --- Steve Nash \| 13\| Phoenix Suns \| PPG: 16.9 \| RPG: 3.60 \| APG 11.3 \| EFF: +22.96 http://www.gifsoup.com/view3/2283379/dance-o.gif <cite>Mark_DeRosa posted [p:885672832] in My girlfri... [t:75721024]...</cite> <quote>2012 scion. I told her to just get rid of it and pay off the rest of the loan</quote> ... Copied to Clipboard!
Super Saiyan 3 Goku 08/29/17 5:10:31 PM #22:	Mark_DeRosa posted... 2012 scion. I told her to just get rid of it and pay off the rest of the loan I don't know how anyone in their right mind can pay that much interest on a freaking Scion. --- When it is obvious that the goals cannot be reached, don't adjust the goals, adjust the action steps. - Confucius <cite>Super Saiyan 3 Goku posted [p:885673076] in My girlfri... [t:75721024]...</cite> <quote><cite>Mark_DeRosa posted...</cite> <quote>2012 scion. I told her to just get rid of it and pay off the rest of the loan</quote> I don't know how anyone in their right mind can pay that much interest on a freaking Scion.</quote> ... Copied to Clipboard!
Slaya4 08/29/17 5:11:18 PM #23:	Mark_DeRosa posted... 2012 scion. I told her to just get rid of it and pay off the rest of the loan My god. Where were you at when all this happened? --- Am I going too hard? <cite>Slaya4 posted [p:885673122] in My girlfri... [t:75721024]...</cite> <quote><cite>Mark_DeRosa posted...</cite> <quote>2012 scion. I told her to just get rid of it and pay off the rest of the loan</quote> My god. Where were you at when all this happened?</quote> ... Copied to Clipboard!
Muffinz0rz 08/29/17 5:11:52 PM #24:	Slaya4 posted... Mark_DeRosa posted... 2012 scion. I told her to just get rid of it and pay off the rest of the loan My god. Where were you at when all this happened? Probably taking his girlfriend's FWB out to dinner --- Not changing this sig until Pat Benatar is in Super Smash Bros. (Started 8/31/2010) <cite>Muffinz0rz posted [p:885673148] in My girlfri... [t:75721024]...</cite> <quote><cite>Slaya4 posted...</cite> <quote><cite>Mark_DeRosa posted...</cite> <quote>2012 scion. I told her to just get rid of it and pay off the rest of the loan</quote> My god. Where were you at when all this happened?</quote> Probably taking his girlfriend's FWB out to dinner</quote> ... Copied to Clipboard!
Mark_DeRosa 08/29/17 5:12:38 PM #25:	Slaya4 posted... Mark_DeRosa posted... 2012 scion. I told her to just get rid of it and pay off the rest of the loan My god. Where were you at when all this happened? Working --- Steve Nash \| 13\| Phoenix Suns \| PPG: 16.9 \| RPG: 3.60 \| APG 11.3 \| EFF: +22.96 http://www.gifsoup.com/view3/2283379/dance-o.gif <cite>Mark_DeRosa posted [p:885673180] in My girlfri... [t:75721024]...</cite> <quote><cite>Slaya4 posted...</cite> <quote><cite>Mark_DeRosa posted...</cite> <quote>2012 scion. I told her to just get rid of it and pay off the rest of the loan</quote> My god. Where were you at when all this happened?</quote> Working</quote> ... Copied to Clipboard!
Super Saiyan 3 Goku 08/29/17 5:17:38 PM #26:	I almost want to demand a screen cap or something because this seems pretty incredible. How old is she that she couldn't do better than 25% for a 4-5 year old econobox? Typical subprime borrower - the smile on the seller's face must've been full of dollar signs. --- When it is obvious that the goals cannot be reached, don't adjust the goals, adjust the action steps. - Confucius <cite>Super Saiyan 3 Goku posted [p:885673488] in My girlfri... [t:75721024]...</cite> <quote>I almost want to demand a screen cap or something because this seems pretty incredible. How old is she that she couldn't do better than 25% for a 4-5 year old econobox? Typical subprime borrower - the smile on the seller's face must've been full of dollar signs.</quote> ... Copied to Clipboard!
Soviet_Poland 08/29/17 6:07:16 PM #27:	Did she negotiate with the dealership? A lot of people are intimidated by the process and afraid to speak up so they agree to terms that make no mathematical sense. I went in a few months ago to look into buying out my lease. I had 15k left on the balance and their initial quote was a loan of $350/mo x 60 months. I was like, "That's $21,000." They go brb and come back with with a monthly that actually corresponded to the remaining balance on the vehicle (250/mo). And lowered the interest rate. You have to keep saying no to get their lowest price. People who say yes on the initial offer get stuck with outrageous interest rates like that. See if she can qualify for a bank or credit union loan for the balance under a lower rate (i.e. refinance). Even an abysmal bank loan will be better than 25% (yikes). Or if the private party sell value is close to the total loan amount, just have her sell it and get something else. --- "He has two neurons held together by a spirochete." <cite>Soviet_Poland posted [p:885676187] in My girlfri... [t:75721024]...</cite> <quote>Did she negotiate with the dealership? A lot of people are intimidated by the process and afraid to speak up so they agree to terms that make no mathematical sense. I went in a few months ago to look into buying out my lease. I had 15k left on the balance and their initial quote was a loan of $350/mo x 60 months. I was like, "That's $21,000." They go brb and come back with with a monthly that actually corresponded to the remaining balance on the vehicle (250/mo). And lowered the interest rate. You have to keep saying no to get their lowest price. People who say yes on the initial offer get stuck with outrageous interest rates like that. See if she can qualify for a bank or credit union loan for the balance under a lower rate (i.e. refinance). Even an abysmal bank loan will be better than 25% (yikes). Or if the private party sell value is close to the total loan amount, just have her sell it and get something else.</quote> ... Copied to Clipboard!
Soviet_Poland 08/29/17 6:09:43 PM #28:	Super Saiyan 3 Goku posted... Hope it's all worth it. What car is it? 25% is never worth it. I got a 2.6% rate on a used car (used cars have the highest interest rates versus new or leased). Granted my credit doesn't suck, but that's two ends of the spectrum. --- "He has two neurons held together by a spirochete." <cite>Soviet_Poland posted [p:885676337] in My girlfri... [t:75721024]...</cite> <quote><cite>Super Saiyan 3 Goku posted...</cite> <quote>Hope it's all worth it. What car is it?</quote> 25% is never worth it. I got a 2.6% rate on a used car (used cars have the highest interest rates versus new or leased). Granted my credit doesn't suck, but that's two ends of the spectrum.</quote> ... Copied to Clipboard!
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Current Events > My girlfriend got a car a year ago with terrible interest (+) Yeah! (+)

Current Events > My girlfriend got a car a year ago with terrible interest