re: Bad credit auto loan with big down payment?

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It was credit cards, boat, atv, etc.

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You are a typical new money idiot.


ETA: not meant as an insult. People don't know what to do with new money, so they go overboard.

Course, not sure you learned your lesson.

So bankruptcy or late payments?

If Bankruptcy, then no, it's going to be extremely difficult.

You have to crawl before you walk and walk before you run, etc.

Who knows though. It really all depends on what your credit actually looks like. Hard to say as that is on an individual basis.

If you are what you say you are, credit wise, you need to go to a big arse dealership, I'm talking one of the biggest of whatever vehicle you're looking at. Those dealerships have much more buying power with the banks then your small town dealerships. Much easier for them to get you bought than a small dealership.