Is 3,000 enough to get an S2000 in CA. My credit is about 690

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>>16582806

>financing a used car that is around 10 years old

>financing a 10 year old honda

You can't afford a car in California.

So would it be better to just get a FR-S?

Op. Even if you get the car, you won't be able to afford the insurance.

>>16582806
>Financing a 3000 car

Lmao

>>16583667
I hope youre just pretending to be dumb

>>16582806
>My credit
is this an american thing
I know literally nothing about this

>>16583689
Credit is a numerical value tallied up and averaged by credit reporting agencies. Whenever you finance something with credit and make payments on it, your credit score is affected. A high credit score (720 or above) indicates that you make payments on time or early and for more than whatever is the minimum payment required.

>>16583778
>ywn get good boy points for being responsible
JUST

>>16582806
No, not even close

>>16583667
Pls lord help this man

>>16583578
>FR-S

Nah. BRZ and GT86 are far superior.

>>16582806
dont finance used cars... that defeats the point

>>16583877
What if it's my dream car? What do ya'll rec then? I have 3,000 to put down.

>>16583919
Stop being poor

>>16583919
With 3k down you can get an expensive car with only $150 a month payment or so

>>16583928
Delet this

>>16583978
Hmmm. The only other thing I would consider is a miata or FR-S.

>>16583812
How do you guys do it?

>>16583978
how desu, does putting down a bigger down payment reduce the payment more than just decreasing the loan amount?

>>16584025
buy a bus pass kid

Okay, new question. NC Miata then? Around 10-12 seems doable right?

>>16584239
Yeah.

You know you can google auto loan payment calculators

>>16582806
>My credit is about 690
Hope you know it's around 600 now that you had it checked.

>>16584273
Yeah no, that's not how that works.

>>16582806
You probably can't afford it. You could get an ok interest rate on an 08 or 09 but 3k isn't enough down. You want the cleanest one owner example you can find.

>>16584273

A hard inquiry only decreases your score 2-4 points, typically.

Any other options? I have 3000 bucks. Maybe I could find an NB Miata? Oh I forgot to say, I've owned two cars a 99 Honda Civic LX and a 96 Miata.

>>16585157
You're poor. Why do you need 3 cars? Do something responsible with the money.

>>16585196
I'm saying I've owned those. I'm poor because I live in Commiefornia

>>16584156
You can't buy a kid, whether or not he has a bus pass. Legally of course.

>>16585202
use the money to move

>>16585202
What do you drive now? The civic?

>>16585202
>mfw Im trying to move to Commiefornia

I live in Connecticut. Im tired of the cold and Im willing to get fucked in the ass by uncle sam to live in the best state in America.

>>16584076
>implying there is a eurocuck system of merit in place for screening out nignogs instead of just handing out free money to refugees

that would be racist, anon.

>>16582806
maybe as a down payment. You will NEVER find an s2000 for 3k in CA

>>16585228
Where are you trying to live in here?

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>>16585228
Were full.

>>16585325
No idea, I havent done solid research yet as I need to save more money.

I had a thing with a girl who lived in Santa Clarita and I found that area beautiful.

I know its damn expensive as most parts of California are so yeah, any suggestions for a 25 year old?

Easily my score is about the same and get loans all the time for toys

>>16585349
Yeah, wait until you're actually 25. I remember dreaming of living in that shithole when I was 13, then I wised up and realized what a garbage fucking place it is.

>>16585349
Santa clarita is good. No idea about the living economics.
Somewhere like pomona or fontana or something out there is chill.
Also roommate if possible at all.

>>16585372
I am 25 years old.... Tell me why do you think its a shithole? Seriously.

hard mode you can't mention mexicans.

>>16585393
Oh yeah roommate will be necessary for sure.

Now car wise I'm sure my 08 civic will be fine. but I have a second car that is a '91.

Will it still have to go thru emissions and be CARB legal? Because in Connecticut if it's older that 20 yrs than it doesnt need emissions at all.

>>16585427
Only 1975 or older are exempt.

>>16585427
Houses are too goddamn expensive for what you get.
especially in big cities

shit car scene, either boomers or swaglords
or asians who'll get someone to rob you

weathers nice usually, if you stay near the coast tho

>>16585436
god damn it so I'd be fucked.

>>16585448
>Houses are too goddamn expensive for what you get.
especially in big cities

valid reason.

>shit car scene

I believe this based on this video and similar videos

https://www.youtube.com/watch?v=cC_jfoEG1XI

That being said Im not too interested in those type of meets anyway.

>who'll get someone to rob you
?what?

just cuck my shit up familia

>>16585474
The problem with the socal scene is its all daddies money, so instead of treating all those nice cars well they just beat the shit out of them. Not to mention the entitled driving style they have.

>>16585566
y-you too

>>16585761
>sweeping generalizations:the post

>>16583778
Not quite. A credit score is a way of quantifying your risk to a lender. It takes payment history into account like you said, but many more things too such as average age of accounts, types of accounts, number of recent credit inquiries, ratio of available credit to balance, etc.

>>16584273
Checking your own credit does not effect the score or count. Only "hard inquiries", i.e. you are seeking specific credit. More is bad because it implies you're trying and failing to get financed or you want a whole bunch of credit for some reason. It looks risky.

>>16583578
No, go with the S2k. The FRS/GT86/BRZ will lose tons of its value after 8 years. The S2k will not have lost nearly as much.
Plus the S is just a better car.

>>16584079
Also lowers interest rate if you are working with a decent lender. The less you borrow, the less risk there is for the lender. The less risk the less Interest normally, your credit score factors into this as well.

>>16585347
Does she get BLACKED?

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>>16583667
lmao you one silly nigga