How To Buy a Car With BAD CREDIT | Car Buying Tips

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  • Опубликовано: 28 янв 2025

Комментарии • 109

  • @MikeTheCreditGuy
    @MikeTheCreditGuy  8 месяцев назад +8

    ➡️ Set up Free Credit Analysis and Mike will let you know what program you Qualify for.
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    ⬇️🚨FICO®️ SCORES $1.00 on 7 day trial🚨
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    🚨We will never ask you to email us. We have trusted links in our video description for booking a consultation and the for DIY program and for any products we talk about. We do not support or represent any scammers in the comments promoting any credit repair people. Do not respond to anyone promoting credit repair they are all scammers.

  • @jjirehministries7656
    @jjirehministries7656 8 месяцев назад +31

    Mind blown 🤯! I have been PRAYING for info like this! Info wasn't taught to me in school nor from parents. Currently stuck with a lemon; passed onto me by my brother 🤦🏾‍♀️It has soooooooo many problems. We gotta get a new car but we want do it right. My husband and I will taking notes from this video. Thank you!

    • @MikeTheCreditGuy
      @MikeTheCreditGuy  8 месяцев назад +2

      You’re welcome and thank you also. Glad I could help you through this crazy time 🙏🏽

  • @TearBlood
    @TearBlood 8 месяцев назад +13

    Damn, I was literally thinking about getting a car or getting out of my current car what great timing

  • @youngadlaibeats
    @youngadlaibeats 8 месяцев назад +18

    I am in the market for a vehicle and my credit score is on the low end thanks for the information

  • @444destiny
    @444destiny 8 месяцев назад +8

    I never heard of Fico Auto Score 8! Please send me the link . You doing the Lord's Work! 🤣👍🏾

  • @stephaniefrandsen2088
    @stephaniefrandsen2088 4 месяца назад +2

    Which one if there CU do you recommend the most for better approval odds with bad credit

  • @ruckusworld
    @ruckusworld 8 месяцев назад +3

    fico score 8

    • @MikeTheCreditGuy
      @MikeTheCreditGuy  8 месяцев назад

      secure.rspcdn.com/xprr/red/PID/11958/SID/RUclips

  • @Fitzyday
    @Fitzyday 6 месяцев назад +11

    Man. . . I’ve been walking for a month now and couldn’t even get approved last week on a 11,000 car with 3 down. Besides buying a beater cash idk what too do😕

    • @ladaletonge6454
      @ladaletonge6454 4 месяца назад +1

      I’m in the same boat

    • @olibusta10
      @olibusta10 4 месяца назад +2

      Pay off your credit card debt n you’ll have a better credit score to buy a car.

  • @geelee8893
    @geelee8893 3 дня назад

    Damn bro been watching videos on getting an auto loan with banks and credit unions all night and youre the only one really giving good advice appreciate u boss so I'll pay that 50 for DISPUTE BEAST next week wait a couple days then apply for Pen Fed and Navy Fed right? lol thanks!~~~

  • @St.JonAlex
    @St.JonAlex 3 месяца назад +1

    For the trail to check my score, can I cancel any time before the 7 days are up? Thank you!

  • @scottpsuzuki
    @scottpsuzuki 8 месяцев назад +1

    Do PreApproved auto loan run a hard inquiry on your credit as well??

  • @JaimeGarcia-wq3uw
    @JaimeGarcia-wq3uw 8 месяцев назад +1

    Hey I live in California and I’m thinking about going with Apple Federal Credit Union. Do I still qualify?

  • @willsanborn6471
    @willsanborn6471 2 месяца назад

    What’s the fico link?

  • @indelible_pyt
    @indelible_pyt Месяц назад

    May I have the link for FICO credit score 8 plu

  • @manifest.natasha1987
    @manifest.natasha1987 8 месяцев назад

    If we find pre approval outside will the dealership still make us put a down payment? Ty Mike.

  • @esabelle_marcela-3524
    @esabelle_marcela-3524 8 месяцев назад +2

    Great content as always! I noticed PenFed Credit Union isn't included in the list of preferred credit unions. Any particular reason why they were omitted?

    • @MikeTheCreditGuy
      @MikeTheCreditGuy  8 месяцев назад +1

      Yea they are shutting down small business owner accounts. I covered it in another video. I’ll add it to one of my next videos also.

    • @esabelle_marcela-3524
      @esabelle_marcela-3524 8 месяцев назад

      @@MikeTheCreditGuy Thanks for the update. Several months ago, PenFed declined my checking account application. 😂 So, building a relationship with this credit union isn't working.

  • @TheRollingCoinStore
    @TheRollingCoinStore 8 месяцев назад +3

    Do you always need to provide proof of income when getting a loan on a car even if you have decent credit?

    • @MikeTheCreditGuy
      @MikeTheCreditGuy  8 месяцев назад +1

      Depends on the loan company, I have never had to do that and neither has my wife and we both have excellent credit. It’s not to say they won’t ask but the goal is to get the credit score high enough and your income as well.

  • @theguy2605
    @theguy2605 8 месяцев назад +1

    Quick question, i drive for uber and currently renting a vehicle through hertz. I pay a lot for the rental so need my own vehicle asap. Will any of these credit unions have a problem with uber as my main job

    • @MikeTheCreditGuy
      @MikeTheCreditGuy  8 месяцев назад +2

      Unfortunately I don’t have the data point for that fam and I’m not gonna lie to you. You may have to pick one and go from there. A lot of credit unions don’t ask for proof of income if your credit score is high and your income is good. I hope this helps fam 🙏🏽

  • @irenec8478
    @irenec8478 7 месяцев назад

    Wheres the link

  • @tvuno2712
    @tvuno2712 5 месяцев назад

    will the auto loan pay for everything or will you need to come out of pocket for stuff like dealership fees and auto insurance?

  • @PandaFPV
    @PandaFPV 3 месяца назад

    My guy, my score is above 750. If I go directly to the dealership, will they have penalties on early payments?

  • @FlyGuy-p8t
    @FlyGuy-p8t 8 месяцев назад +1

    Where can I get my fica auto score for $1 (first week)?

    • @MikeTheCreditGuy
      @MikeTheCreditGuy  8 месяцев назад

      secure.rspcdn.com/xprr/red/PID/11958/SID/RUclips

  • @Huey-z9w
    @Huey-z9w 5 месяцев назад

    I wish I had watched this video before applying for an auto loan via my bank..ughhhhhhhhh. Is it to late to apply to one of those credit unions?

  • @robertnaab2711
    @robertnaab2711 6 месяцев назад

    What if you get paid by a physical check and not direct deposit?

  • @nathanevans2846
    @nathanevans2846 4 месяца назад

    As always great video

  • @playitagainsam2009
    @playitagainsam2009 8 месяцев назад

    @MikeTheCreditGuy have you seen difficulties in acquiring a PPI from a prospective seller/dealership?

  • @ajksancarlos
    @ajksancarlos 8 месяцев назад +2

    Mike how do people (above 750) protect themselves from dealerships marking up manufacturer finance rate, aka that double dip? You know they are always trying to be sneaky!!

  • @zayzay542
    @zayzay542 8 месяцев назад +1

    What about 15 usc 1662b

  • @PatriciaMoses-sl6ry
    @PatriciaMoses-sl6ry 3 месяца назад

    Link

  • @sleepygirlmanifested1045
    @sleepygirlmanifested1045 8 месяцев назад

    Can I get the link

  • @Daivon-gc4ur
    @Daivon-gc4ur 8 месяцев назад

    Link for fico auto score 8

  • @Pwcrii
    @Pwcrii 7 месяцев назад

    Mike what’s the $1 7 day trial.

    • @MikeTheCreditGuy
      @MikeTheCreditGuy  7 месяцев назад

      Where ever you got that from. It’s clearly telling you what it is fam. Please read the information that was sent to you.

  • @fatimahjohnson2250
    @fatimahjohnson2250 5 месяцев назад

    I want to see my auto score

  • @fernandoquiroz9567
    @fernandoquiroz9567 5 месяцев назад

    I wanna see my fico

  • @JM-vj7we
    @JM-vj7we 8 месяцев назад +2

    It is the secret of….. or it’s the secret of …. get it!

  • @patrondeltrading
    @patrondeltrading 8 месяцев назад +2

    I fell into the trap a few months ago, they gave me the worst possible interest and everything they could add to my purchase, I will pay practically double the value of the car, I am trapped, any suggestions?Thank you for share the information

    • @nate1990-g5n
      @nate1990-g5n 8 месяцев назад +1

      Pay a couple months on time and Refinance with the best credit union…

    • @MikeTheCreditGuy
      @MikeTheCreditGuy  8 месяцев назад +3

      This is not legal advice or financial advice. You can cancel the added extended warranties if that’s what you got. You can join a credit union and then try to refinance the loan. It will be dependent on the age of the car and Mileage and the original loan amount. Make sure to check with the credit union for the types of requirements for a refinancing and auto loan before jointing and establishing a relationship. That way you don’t waste time building with the wrong credit union. Hope this helps fam 🙏🏽

    • @patrondeltrading
      @patrondeltrading 8 месяцев назад

      Thank you very much for your guide, I will do it and tell you how it all ended, the most ironic thing is that I have a credit union account, but when I needed the car loan, they had suspended those services. Thanks again for your information

    • @AdrienneDonato
      @AdrienneDonato 2 месяца назад +1

      @@MikeTheCreditGuywhat if I had the extended warranty & totaled my car (a deer 🦌), rain and darkness. Ugh. Now I’m waiting to eat from the insurance but they’re going to end up paying this extended warranty fee. Can anything be don’t about it?

    • @MikeTheCreditGuy
      @MikeTheCreditGuy  2 месяца назад

      @@AdrienneDonatothis is not financial advice or legal advice and I am not an attorney. What do you mean? If they are going to pay for the extended warranty also. In confused as to what you’re looking for? Or you can cancel the policy and get the remainder of the extended warranty paid out to you also. Just go to the dealership in which it was purchased and tell them the car was sold because the insurance is actually going to purchase the car right? I wouldn’t request it until after the insurance pays you out.

  • @KSNoorani7867
    @KSNoorani7867 2 месяца назад

    Fico suto score 8

  • @Cheryn77
    @Cheryn77 8 месяцев назад +1

    Fico score 8

    • @MikeTheCreditGuy
      @MikeTheCreditGuy  8 месяцев назад

      ⬇️🚨FICO®️ SCORES $1.00 on 7 day trial🚨
      secure.rspcdn.com/xprr/red/PID/11958/SID/RUclips

  • @whatthe1215
    @whatthe1215 8 месяцев назад

    Good info Mike!! Thank you !!! Looking good are you losing weight??

  • @kimballhill5591
    @kimballhill5591 8 месяцев назад +2

    Fico 8

    • @MikeTheCreditGuy
      @MikeTheCreditGuy  8 месяцев назад

      ⬇️🚨FICO®️ SCORES $1.00 on 7 day trial🚨
      secure.rspcdn.com/xprr/red/PID/11958/SID/RUclips

  • @emperessdivine3617
    @emperessdivine3617 8 месяцев назад +1

    FICO Auto Score 8

    • @MikeTheCreditGuy
      @MikeTheCreditGuy  8 месяцев назад +1

      ⬇️🚨FICO®️ SCORES $1.00 on 7 day trial🚨
      secure.rspcdn.com/xprr/red/PID/11958/SID/RUclips

  • @Trolleypoley
    @Trolleypoley 6 месяцев назад

    Fico auto score 8

  • @jeremykeeney8740
    @jeremykeeney8740 День назад

    This is all good info, BUT if you have bad credit, maybe you shouldn’t be financing a car. Buy a cheap cash car. You can also safe a ton on insurance by getting liability only. Use that money youre not spending on a car payment and fix your credit. Stop trying to impress other people and get yourself right. You’ll never regret it.

  • @wendygonzalez5539
    @wendygonzalez5539 7 месяцев назад

    Send me fico auto score 8

  • @JonathanLopez-ss8jz
    @JonathanLopez-ss8jz 8 месяцев назад

    So if we apply for any of these credit unions is it guaranteed to get a car loan with bad credit ?

    • @MikeTheCreditGuy
      @MikeTheCreditGuy  8 месяцев назад

      I did not say that did I? I literally gave you all the points to get you approved. Did you even watch the video 🤦🏽

    • @inkredablek
      @inkredablek 7 месяцев назад

      That’s something I wish I knew six years ago about those steps. A relative told its best to pay in cash. Bad credit interest rate is off the roof between 20% to over 30%. Credit union want accept bad credit on a car loan. No matter if been a member for 90 days or over. For example, submitting a $30K car loan will be denied. So it’s best to start something small to rebuild your credit.

  • @gregorywilliamson1325
    @gregorywilliamson1325 8 месяцев назад +1

    fico auto score 8

    • @MikeTheCreditGuy
      @MikeTheCreditGuy  8 месяцев назад +1

      ⬇️🚨FICO®️ SCORES $1.00 on 7 day trial🚨
      secure.rspcdn.com/xprr/red/PID/11958/SID/RUclips

  • @David-gs9vw
    @David-gs9vw 7 месяцев назад

    Unless you got a cosigner

  • @anakansmith6424
    @anakansmith6424 21 час назад

    Auto score 8

  • @KeASiLeNT
    @KeASiLeNT 4 месяца назад

    The answer should be get a used car under 2500 person to person deal and get your sht together

  • @mraime9747
    @mraime9747 6 месяцев назад

    D’ici 8

  • @coreygoree1256
    @coreygoree1256 4 месяца назад

    I believe you shld have added penfed at #3 right before Apple fed. In another video u said they rate was at 4.7 or something like tht
    I wish u wld have done Cadillac versus Honda 😆

  • @jerrymoore1981
    @jerrymoore1981 8 месяцев назад +3

    FICO score 8

  • @pattiprosperoella3244
    @pattiprosperoella3244 8 месяцев назад +1

    👍 ❤

  • @adogthatsaysno
    @adogthatsaysno 25 дней назад

    Better tip; DON'T BUY A CAR IF YOU HAVE BAD CREDIT

  • @EBTROUBLE
    @EBTROUBLE 5 месяцев назад +1

    If you can’t pay cash, you can’t afford it…. Don’t buy things you can’t afford

  • @julius.150
    @julius.150 8 месяцев назад

    Another scammer

    • @MikeTheCreditGuy
      @MikeTheCreditGuy  8 месяцев назад +6

      Another 🤡 Who comments on my videos to help them grow more. Keep commenting. We love haters because haters push out our content more. I have hats and tshirts. Send me your address so I can send you a gift, since you’re a true fan 🤣😂

    • @rSb.Benjaminz
      @rSb.Benjaminz 8 месяцев назад

      @@MikeTheCreditGuywooosah… wooosah. Remember yo pressure points, okay? Woooosah 😀🤙🏼

    • @tashagotit7747
      @tashagotit7747 8 месяцев назад

      Details?

  • @PatriciaMoses-sl6ry
    @PatriciaMoses-sl6ry 5 месяцев назад

    Fico8

  • @EJ-ye7wg
    @EJ-ye7wg 5 месяцев назад

    Google “STEREO”

  • @patriciamoses4968
    @patriciamoses4968 8 месяцев назад +2

    Fico score 8

    • @MikeTheCreditGuy
      @MikeTheCreditGuy  8 месяцев назад

      secure.rspcdn.com/xprr/red/PID/11958/SID/RUclips

  • @BeatofIke
    @BeatofIke 8 месяцев назад +1

    FICO score 8

    • @MikeTheCreditGuy
      @MikeTheCreditGuy  8 месяцев назад

      secure.rspcdn.com/xprr/red/PID/11958/SID/RUclips

  • @raydonwise2305
    @raydonwise2305 8 месяцев назад +1

    Fico 8

    • @MikeTheCreditGuy
      @MikeTheCreditGuy  8 месяцев назад

      secure.rspcdn.com/xprr/red/PID/11958/SID/RUclips

  • @lnhackley
    @lnhackley 5 месяцев назад

    Fico auto score 8

  • @christopherstone8064
    @christopherstone8064 8 месяцев назад +2

    Fico score 8

    • @MikeTheCreditGuy
      @MikeTheCreditGuy  8 месяцев назад

      secure.rspcdn.com/xprr/red/PID/11958/SID/RUclips

  • @tinamatthews488
    @tinamatthews488 4 месяца назад

    Fico auto score 8

  • @deebarrows
    @deebarrows 8 месяцев назад

    Fico 8

  • @KevinHird-l8v
    @KevinHird-l8v 8 месяцев назад +1

    Fico score 8

    • @MikeTheCreditGuy
      @MikeTheCreditGuy  8 месяцев назад

      secure.rspcdn.com/xprr/red/PID/11958/SID/RUclips

  • @mraime9747
    @mraime9747 6 месяцев назад

    Fico 8

  • @turmainebryant3357
    @turmainebryant3357 8 месяцев назад +1

    Fico score 8

    • @MikeTheCreditGuy
      @MikeTheCreditGuy  8 месяцев назад

      secure.rspcdn.com/xprr/red/PID/11958/SID/RUclips

  • @jetstreampr816
    @jetstreampr816 8 месяцев назад

    Fico score 8

  • @pjpendleton100
    @pjpendleton100 6 месяцев назад

    Fico score 8

  • @FayeMack-hd9zm
    @FayeMack-hd9zm 5 месяцев назад +1

    Fico score 8