My advice is not to use a co-signer, as it could lead to problems later on. Next, consider your income. If the desired loan amount is $7500 ($8500-$1000) you will almost certainly obtain the loan from wellsfargo if this represents less than 20% of your annual income. Finally, go sit with a wellsfargo loan services representative at a local wellsfargo and describe in detail the need for the loan. If you dress business casually you will almost certainly get what you want.I just turned 18 and I need some help/advice on how to get a loan?
It is a rule of thumb to pursue an auto loan that is no more than 20% of you annual income. For example: For a $7500 loan you should make $37500/year. ($7500/$37500) = 0.2 * 100 = 20%
Of course if you sit down with a representative and detail your need for the loan you can get by with a lower income
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If you have never had a loan on anything, you will probably have to have a co-signer to get started for a car loan. This is somebody that will agree to make the payments if you default on the loan. Usually, parents will sign to help their child get started on a very small loan. After that, you start to build your credit rating and then you can apply for a car loan.
Some dealers do have companies that will finance you but you will have a huge interest rate to pay. Watch carefully if you decide to try this option. Make sure they reveal what the total price for the vehicle will be including interest.
Investigate that credit line with Wells Fargo before you start to use it. If you didn't ask for it and you had no previous credit, there are probably a lot of hidden charges involved including high interest. Close that line of credit out if it is not practical for you to use it. Yes, even if you have not used it, it still shows as available credit and can affect your credit rating. You still have to write to them and tell them you are not interested in that line of credit.
The best advice is, know what you are signing. Take someone with you that knows a little bit about credit. It is very difficult to understand all the charges involved in a loan in today's world.
Good Day,
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Hello everyone,
My name is Micheal Lancer, i'm the Managing Director of Micheal Lancer Loan Firm, we operate on legit loan within and outside the country, with just 3% your loan application is guarantee.
And also we give loan as follows:
Housing Loan..............
Company Loan ................
Students Loan................
Car Loan................
Marriage Loan.
Etc...
If interested just contact us via this email address,
micheallancerloanfirm@yahoo.com , micheallancerloanfirm@hotmai
Hello everyone,
My name is Micheal Lancer, i'm the Managing Director of Micheal Lancer Loan Firm, we operate on legit loan within and outside the country, with just 3% your loan application is guarantee.
And also we give out loan as follows:
Housing Loan..............
Company Loan ................
Students Loan................
Car Loan................
Marriage Loan.
Etc...
If interested just contact us via this email address,
micheallancerloanfirm@yahoo.com , micheallancerloanfirm@hotmail.com
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Hello,
I live in the US and i really have never seen goodness shown to me this
much in my life as i am a struggling mum with three kids and i have been going
through really rough times in my life and my name is Helen
Peters and in all this hard times, a worse incident occured in my life as i
lost my job which was my only means of survival and things became really bad as
i had bills to pay and my last son suffered a knee injury incurred when he fell
from a tree house and the doctors informed me that he needed a surgical
operation for his knee so he could walk again and at this point, life was
useless to me as i have no family and no one to run to and each night, i will
sit down and cry till the break of dun until one day, i read an advert on yahoo
answers of man that stated that he could help people in my shoes with loans and
in my desperate situation, i had no choice but i had to try and so shocking and
suprising, it was like an impossibility becoming a reality, i got a loan of
$75,000 USD even with my bad credit within 48 hours and my sons surgery was done
and thank GOD it was successful and now, i am okay and living in comfort with my
kids and i said to my self, i have never ever seen this kind of wonder in life
and i decided i will tell it to the whole wild world and i need every one to
thank GOD for Mr Patrick Harvey, the man GOD used to rescue me and my family
even when all hope had been lost and gone and i will say to every one, no matter
how dark and sinful the world is today, there are still GOD fearing and reliable
people on earth and if you are in my former situation or require a loan
legitimately, i will advice you contact this loan lender and you can reach him
via patrickharvey12@yahoo.com and i want you all to pray for this man for me.
Hello,
I live in the US and i really have never seen goodness shown to me this
much in my life as i am a struggling mum with three kids and i have been going
through really rough times in my life and my name is Helen
Peters and in all this hard times, a worse incident occurred in my life as i
lost my job which was my only means of survival and things became really bad as
i had bills to pay and my last son suffered a knee injury incurred when he fell
from a tree house and the doctors informed me that he needed a surgical
operation for his knee so he could walk again and at this point, life was
useless to me as i have no family and no one to run to and each night, i will
sit down and cry till the break of dun until one day, i read an advert on yahoo
answers of man that stated that he could help people in my shoes with loans and
in my desperate situation, i had no choice but i had to try and so shocking and
surprising, it was like an impossibility becoming a reality, i got a loan of
$75,000 USD even with my bad credit within 48 hours and my sons surgery was done
and thank GOD it was successful and now, i am okay and living in comfort with my
kids and i said to my self, i have never ever seen this kind of wonder in life
and i decided i will tell it to the whole wild world and i need every one to
thank GOD for Mr John Mark, the man GOD used to rescue me and my family
even when all hope had been lost and gone and i will say to every one, no matter
how dark and sinful the world is today, there are still GOD fearing and reliable
people on earth and if you are in my former situation or require a loan
legitimately, i will advice you contact this loan lender and you can reach him
via john108023@yahoo.com.hk, and i want you all to pray for this man for me
Hello,
I live in the US and i really have never seen goodness shown to me this
much in my life as i am a struggling mum with three kids and i have been going
through really rough times in my life and my name is Helen
Peters and in all this hard times, a worse incident occurred in my life as i
lost my job which was my only means of survival and things became really bad as
i had bills to pay and my last son suffered a knee injury incurred when he fell
from a tree house and the doctors informed me that he needed a surgical
operation for his knee so he could walk again and at this point, life was
useless to me as i have no family and no one to run to and each night, i will
sit down and cry till the break of dun until one day, i read an advert on yahoo
answers of man that stated that he could help people in my shoes with loans and
in my desperate situation, i had no choice but i had to try and so shocking and
surprising, it was like an impossibility becoming a reality, i got a loan of
$75,000 USD even with my bad credit within 48 hours and my sons surgery was done
and thank GOD it was successful and now, i am okay and living in comfort with my
kids and i said to my self, i have never ever seen this kind of wonder in life
and i decided i will tell it to the whole wild world and i need every one to
thank GOD for Mr Patrick Harvey, the man GOD used to rescue me and my family
even when all hope had been lost and gone and i will say to every one, no matter
how dark and sinful the world is today, there are still GOD fearing and reliable
people on earth and if you are in my former situation or require a loan
legitimately, i will advice you contact this loan lender and you can reach him
via john108023@yahoo.com.hk and i want you all to pray for this man for me.
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