re: Bad credit auto loan, big down payment

quote:

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if his credit is as bad as he says it's going to take a long time before he's going to get 2%

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If you bother reading the thread, I'm not the one telling him to hold out for 1 or 2% APR.

I think it's pretty clear the OP is going to buy the expensive truck regardless, so my point is he will spend the least amount of money by just buying it now rather than buy a used truck while he works on his credit.