Who do you bank with?

[antihero]

hey guys, im trying to find out some reliable banks because mine does not do personal loans (unless of course you guys wanna loan me some money...lol). i just really dont wanna get screwed since this will be my first (non-cosigned) loan. i know im gonna get raped on interest because im 18 and have no credit (or so i believe). also, if you guys know of a secure site where i could check my credit rating that would be great too. thank you

 

[buffness]

for student loans?

 

[antihero]

for student loans?

nope just a personal loan for about 2k. im buying a car (already found the car and priced registration and insurance, etc) so im gonna need the extra money to pay the bills and gas, etc. and i also will be putting in a sound system (its being shipped to me as we speak)

(2) audiobahn 12" subs @ 1000W per sub already in sub box

(1) 2000W amp for it

and all the wiring etc. to run it

**ive decided that i CAN afford these things without a loan, but it will be easier to do with the extra money, and it will help me get some credit. as of right now i have no credit whatsoever. so i gotta start somehow

 

[antihero]

well FUCK.

Bank of America = NO
Wells Fargo = NO
Citibank = NO

im running out of banks. and no one will give me a loan cause i have absolutely NO credit.

 

[Matt76]

i bank with U.S. bank

Have you never had a CC before??

 

[goes4ever]

ok bro, here is how I did it, when I was 16 years old, I went to my loacal bank and applied for a CC, they gave me one with a $200 limit, YEP you heard me right $200.

But I bought stuff every month that I could afford and paid the bill completely every month! After a few months they raised my limit to $1000.

After one year I went in and asked for a small loan of like $1500 bucks, they said no problem. I got it paid it off.

Well when I was 19 I saw a house I could buy, fix up and be able to move out from home. It was $22,000 I went to my bank and they said NO PROBLEM, so I bought my first house at 19 years old. It all snowballed from there bro and till this day I have NEVER been turned down for a loan.

When I got my new car last month and they checked my credit, I had a score of 831, not too shabby

my advice is get a credit card, buy stuff you normally buy with cash and pay it off every month, THEN after 6 months go back and ask for a loan.

 

[Matt76]

your credit will go up even if you don't pay off your CC every month. You just have to make sure you make your payments. At one point I had 3 CC's all with a 12K limit on them. I cut two of them up b/c I never used them anyway so now I just have the one from u.s. bank. It used to be sweet b/c it had .9% interest it had since went up. My CC bill isn't high and I could pay the whole things off but I need the cash in the bank too, to pay real bills

G4E's plan sounds better if you can manage it. My only problem was my school bill increased 2k the past 2years

 

[antihero]

ok bro, here is how I did it, when I was 16 years old, I went to my loacal bank and applied for a CC, they gave me one with a $200 limit, YEP you heard me right $200.

But I bought stuff every month that I could afford and paid the bill completely every month! After a few months they raised my limit to $1000.

After one year I went in and asked for a small loan of like $1500 bucks, they said no problem. I got it paid it off.

Well when I was 19 I saw a house I could buy, fix up and be able to move out from home. It was $22,000 I went to my bank and they said NO PROBLEM, so I bought my first house at 19 years old. It all snowballed from there bro and till this day I have NEVER been turned down for a loan.

When I got my new car last month and they checked my credit, I had a score of 831, not too shabby

my advice is get a credit card, buy stuff you normally buy with cash and pay it off every month, THEN after 6 months go back and ask for a loan.

831? jesus fucking christ. wanna co-sign for me? lol

im just playing i finally talked to a friend of mine who told me he would loan it to me, so what im gonna do is buy the car. then i can go to citibank and use the car as collateral (me and the person i worked with the other day established that i would get a loan if i had collateral worth that value. now i will have it and i can borrow against it, and pay him back in about a month

 

[goes4ever]

pay him back in a month? how much you makin' ?

and what job do you have?

 

[antihero]

pay him back in a month? how much you makin' ?

and what job do you have?

let me re-explain.

once i own the car, i can use the car as collateral to take out a 2k loan. then i can pay my buddy back and have a loan to get the good credit. its tricky, but it works. then i just pay off the loan as usual.