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Used car advice

theoak01

theoak01

New member
Im in the market to buy a car,ive got bad credit and found a place to finance me, options are kinda limited but ive narrowed it down to a 96 cadillac sts anf a 2000 neon le ,they are definatly in different classes thats for sure and im leaning towards the caddy even though its older,but im curious to know your opinions on each. ive read reviews but I feel some are biased and I know we have some real car guys here who wont dick me around.
 
I'd go with the neon bro... its got a good engine that will run forever.. maint will be low cost.. its 4 years newer..
 
Depends on how much driving you will be doing, what rate you can get on insurance, what the theft rate for each car is in you area? I'd go with the caddy, more comfortable, better drive train, better resale value when you want to get rid of it. Also the caddy has a much higher crash rating than a neon.

Cheers,
Scotsman
 
insurance isnt an issue,i need something reliable to get me to work which can sometimes be hours away so comfort is important,but I also want power and speed, the caddy is 300hp the neon 132 lol

compairing them isnt even realistic,im more concerned on if there are major issues with either
 
Stay the fuck away from the Caddy - its 10 years old, and unless it has under 50k on it, expensive repairs are forthcoming. Not a big fan of the Neon either. If you want a cheap car, try to find some place with a Honda Civic/Accord or Mazda Protege/626 or Toyota Corolla/Camry. If I were looking for a $4k car - those are the main ones I would target. Cheap to maintain, good gas mileage, very reliable. You can't go wrong with any of those.
 
NiteOwl said:
Stay the fuck away from the Caddy - its 10 years old, and unless it has under 50k on it, expensive repairs are forthcoming. Not a big fan of the Neon either. If you want a cheap car, try to find some place with a Honda Civic/Accord or Mazda Protege/626 or Toyota Corolla/Camry. If I were looking for a $4k car - those are the main ones I would target. Cheap to maintain, good gas mileage, very reliable. You can't go wrong with any of those.
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You make a great point, his problem is the credit issue so finding a dealer that will finance him and has one of those cars in the right price range could be tough. Also not sure if financing works any different in Canada.

Cheers,
Scotsman
 
Every car lot in my experience has one of those 4 banger 5 speed rice runners
at one time or another.

Bro needs to make the rounds or tell them to call him when they get one in and he will buy it likely.

Just stay away from any with 34 custom parts stickers plastered on it or a fart can exhaust.
 
Do you have a car now? If not, how do you get to work when it's sometimes hours away? I'd wait a while til I found something better than either of those. The Caddy is old and will need maintenance soon, which will be pricey. The Neon probably has a measly four banger in it which will not meet your expectations you listed above. Oddly enough, either one would be about as good as the other, just in different ways. Find out how much money you'll have first, and find a reputable place to buy from. The places that will sell to anyone regardless of their credit will fuck you in the ass down the road most likely because that's all they have going for them to draw people in. They'll either sell you something that looks nice but was actually used and abused, or turn around and inflate your interest rate so high that by the time you pay it off you'll have payed double what the car was worth. I would never go to one of those places that advertises all that bs like "Lowest interest rate blowout!" or "No matter what your credit is or even if you have none we'll accept you!" Imo that'd be asking for trouble.

Good luck.
 
dont have the vin's,but im also looking at a grand am they have their 2002 se1 with the 3.4 so its better then the 4, my pops has a grand am gt which I know is a nice car so I might go with that, downfall is its white,but im not worried I just need something reliable. right now ive been using company rentals but when we are on jobs we get stuck at hotels with sometimes one car between 20 guys on big jobs and cant get groceries or go anywhere so I want to have my own to bring with me.

as for a cosigner,I dont want to get anyone else involved,I kinda want to do this on my own.
 
theoak01 said:
Im in the market to buy a car,ive got bad credit and found a place to finance me, options are kinda limited but ive narrowed it down to a 96 cadillac sts anf a 2000 neon le ,they are definatly in different classes thats for sure and im leaning towards the caddy even though its older,but im curious to know your opinions on each. ive read reviews but I feel some are biased and I know we have some real car guys here who wont dick me around.
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both are pieces of shit, try to find a good used japanese car
 
Did you apply for credit at a few places? Honda, GM, Toyota etc...

Some dealerships will find ways to get you approved, there are ways around it. Cash down, Security deposit, even pay stubs may do.

Are you currently a student, or have you graduated in the past two years? I know GMAC (finance company for GM, Pontiac, Chev, Ford etc…) will sometimes overlook bad credit (if it isn’t too bad) & give you $1000 off the vehicle, or pay your first two payments.

What about getting a loan/line of credit through your bank? I’m sure the interest rate would be lower then what you would pay if you got the lien from a company that deals with high risk/bad credit clients.
 
if you want reliability, then go japanese Toyota or Honda...corolla or civic to get you where you need to and not break down !
 
skittles said:
Did you apply for credit at a few places? Honda, GM, Toyota etc...

Some dealerships will find ways to get you approved, there are ways around it. Cash down, Security deposit, even pay stubs may do.

Are you currently a student, or have you graduated in the past two years? I know GMAC (finance company for GM, Pontiac, Chev, Ford etc…) will sometimes overlook bad credit (if it isn’t too bad) & give you $1000 off the vehicle, or pay your first two payments.

What about getting a loan/line of credit through your bank? I’m sure the interest rate would be lower then what you would pay if you got the lien from a company that deals with high risk/bad credit clients.
Click to expand...

my credits shit,I got into trouble with a credit card and its in collections,ive already been turned down from places who try and work with bad credit before so Im stuck with this one unfortunately, but i believe im going with the grand am

thanks for the advice guys even though I suck and didnt listen
 
theoak01 said:
my credits shit,I got into trouble with a credit card and its in collections,ive already been turned down from places who try and work with bad credit before so Im stuck with this one unfortunately, but i believe im going with the grand am

thanks for the advice guys even though I suck and didnt listen
Click to expand...


I've owned 2 Grand Am's before. I never had any major problems with either. Grand Am's are nice little cars. (I work at a GM dealer & I'm not just saying that :) )

It's never a bad idea to run the serial number! I would take him up on that offer.

Anyway, good luck with it!
 
skittles said:
I've owned 2 Grand Am's before. I never had any major problems with either. Grand Am's are nice little cars. (I work at a GM dealer & I'm not just saying that :) )

It's never a bad idea to run the serial number! I would take him up on that offer.

Anyway, good luck with it!
Click to expand...


thanks for the help,ill def get the vin number before buying,hopefully they can run a canadian vin number
 
theoak01 said:
thanks for the help,ill def get the vin number before buying,hopefully they can run a canadian vin number
Click to expand...

I can run it if they can't.

If services were done at a GM dealer, I can tell you that too (to make sure things were up to date)

Just let me know :)
 
theoak01 said:
Im in the market to buy a car,ive got bad credit and found a place to finance me, options are kinda limited but ive narrowed it down to a 96 cadillac sts anf a 2000 neon le ,they are definatly in different classes thats for sure and im leaning towards the caddy even though its older,but im curious to know your opinions on each. ive read reviews but I feel some are biased and I know we have some real car guys here who wont dick me around.
Click to expand...

cadillac looks old, costs more, less reliable.

neon's cheaper, looks cooler, more fun to drive, a bit more reliable but cheaper to fix.

i would get a honda if you got bad credit and low on cash always.
 
Pay atttention to the details of the contract, dont pay too much for the car and dont get screwed on the financing. A 2002 grand am isnt worth much so do some research on what you should pay per month.
People get hosed BIG time if they have bad credit and dont know what they are doing, you are dealing with sharks
 
BrothaBill said:
Pay atttention to the details of the contract, dont pay too much for the car and dont get screwed on the financing. A 2002 grand am isnt worth much so do some research on what you should pay per month.
People get hosed BIG time if they have bad credit and dont know what they are doing, you are dealing with sharks
Click to expand...

thats what i hear,im getting my pops to come with me,he knows how to talk to these people,im just not aggressive
 
theoak01 said:
Im in the market to buy a car,ive got bad credit and found a place to finance me, options are kinda limited but ive narrowed it down to a 96 cadillac sts anf a 2000 neon le ,they are definatly in different classes thats for sure and im leaning towards the caddy even though its older,but im curious to know your opinions on each. ive read reviews but I feel some are biased and I know we have some real car guys here who wont dick me around.
Click to expand...

Oh my god bro those two cars are pieces of shit! What are you thinking??

As already mentioned, stick with a Honda Civic/Accord or Toyota Corolla/Camry... older models of course.

What is your budget anyway?
 
theoak01 said:
thats what i hear,im getting my pops to come with me,he knows how to talk to these people,im just not aggressive
Click to expand...


I had to have my dad cosign my Harley loan because I didn't have enough credit history to qualify for the total loan amount. The deal was that if I ever had to default on loan payments the bike went immediately back to the dealer so he didn't have to pay anything. Getting someone to cosign is also a great way to repair your credit, so it's something to think about.

Like brothabill said pay close attention to the contract, and make sure they don't set up penalties for early pay off and such. Nothing wrong with a grand am, just make your payments and get your credit rating up so you don't run into problems again, once you settle the credit card thing.

Cheers,
Scotsman
 
I forgot to mention that you can have the dealer show money down by adding the amount to the purchase price. Even with bad credit most financial intuitions will approve you if you put money down.

Say the vehicle you want is $10,000, we would send your application through for $13,000 & show the $3,000 as cash down. In most cases, lenders will re-valuate. The money down shows that you are serious & responsible (despite the credit card thing).
 
went with the grand am,gonna be 410 a month over 48mths,in 8 months they are going to help me refinance at a lower rate or shorter term if I choose. im just waiting for final paper work to go through and then it goes in for safety,i should have it tue or so
 
theoak01 said:
dont have the vin's,but im also looking at a grand am they have their 2002 se1 with the 3.4 so its better then the 4, my pops has a grand am gt which I know is a nice car so I might go with that, downfall is its white,but im not worried I just need something reliable. right now ive been using company rentals but when we are on jobs we get stuck at hotels with sometimes one car between 20 guys on big jobs and cant get groceries or go anywhere so I want to have my own to bring with me.

as for a cosigner,I dont want to get anyone else involved,I kinda want to do this on my own.
Click to expand...
If you need something reliable go for a civic or a protoge. I had a two sunfires/cavaliers i drove both of them into the ground repairs and maintance on them are dirt cheap. All the cars your considering are complete crap I have two family members in the used car biz for many years so I have a good idea what the lemons are Neons are horrible.
 
thanks qt the place you suggested was my next choice if this place failed,but it seems like things worked out and the grand am was in great shape
 
theoak01 said:
thanks qt the place you suggested was my next choice if this place failed,but it seems like things worked out and the grand am was in great shape
Click to expand...
Have you already got it? All I have to do is give my bro a call let him know he will hook you up with something that is not a piece of shit. Places that do the type of financing your getting tend to rape the customers.
 
theoak01 said:
went with the grand am,gonna be 410 a month over 48mths,in 8 months they are going to help me refinance at a lower rate or shorter term if I choose. im just waiting for final paper work to go through and then it goes in for safety,i should have it tue or so
Click to expand...

Wow :worried:

The good thing is, this will help improve your credit. That's crazy though, I hope they don't give you any problems when you go to refinance it. Are they going to charge you a fee for this? (some places do)
 
qt- im signing the papers today once they come back from the fianance place.

skittles,- no fee for refinancing or early buy out,these guys seem pretty good,and its a friend of my buddy who im dealing with so i doubt he would screw me around
 
skittles said:
I forgot to mention that you can have the dealer show money down by adding the amount to the purchase price. Even with bad credit most financial intuitions will approve you if you put money down.

Say the vehicle you want is $10,000, we would send your application through for $13,000 & show the $3,000 as cash down. In most cases, lenders will re-valuate. The money down shows that you are serious & responsible (despite the credit card thing).
Click to expand...


is that common practice? im in the same boat as oak ive been turned down by everyone except Kia lol
 
moose11 said:
is that common practice? im in the same boat as oak ive been turned down by everyone except Kia lol
Click to expand...

We do it all the time. Anything to get them bought without the high interest rate. I'm not sure what it's like in the US, but check into it!
 
I'm in the boat for another car now. My transmission just died in my Grand Prix. I'm hoping I can find something decent (not total piece of shit) used for 2000 or less. That's about all I'm going to be able to spend.
 
It has 295,500 miles on it. I'm afraid that I will fix the transmission, then the engine goes. I just had a new radiator put in the fucker 3 days ago and dropped half a grand in that.

I figured if I found a Celica or a Honda for 2000 with maybe a little body damage with 100-160,000 miles on it, I could run it without too many problems for the next year or two (until my current financial situation stabilizes).
 
OW! $410/mo for 48 months and then re-finance? You could get a new ricer for that kind of money.
 
Mr. dB said:
OW! $410/mo for 48 months and then re-finance? You could get a new ricer for that kind of money.
Click to expand...


refinance after 8 months is what they said,not after 48,48 is the total term
 
If you're gonna put that much money into a basic car, the least you should have done is put it towards a car that will retain its value a whole lot better.

Ie.... HONDA OR TOYOTA! Why a Pontiac Grand Am??? The value of that piece of shit car (and all Pontiac's for that matter) will drop faster then you can flush your money down the toilet.
 
i was in not situation to be choosey,i like grand ams and i have to like the car i drive and i dont like rice
 
theoak01 said:
i was in not situation to be choosey,i like grand ams and i have to like the car i drive and i dont like rice
Click to expand...
:lmao: I am going to report this quote the first time you post a thread about the grand am breaking down. You always have a choice if the place was going to finace you it would have been for anything with in the same price range on the lot. Can't tell me there wasn't a honda or a toyota on the lot. Seiously if you going to get raped like that on the financing should have went with something that holds its value.
 
superqt4u2nv said:
:lmao: I am going to report this quote the first time you post a thread about the grand am breaking down. You always have a choice if the place was going to finace you it would have been for anything with in the same price range on the lot. Can't tell me there wasn't a honda or a toyota on the lot. Seiously if you going to get raped like that on the financing should have went with something that holds its value.
Click to expand...


seriously there was only domestics,sunfires,cavi's,focus's the grand am was all i really wanted and am familiar with,my dads hasnt had any issues yet and its a 01
 
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