Question by andre_us3000: How can I get a 00 loan to stop the repossession process before they find my car?
I purchased a Ford Mustang in 2007, got financed from a bank that after 2 years and half, the bank sold all the car loans to a different bank. Without having any info about this bank, I missed a couple of payments being in between jobs, last month I got a job where I did save around 00 this month but the bank won`t let me make the regular payments anymore. I have to pay in full what I own them or have the repossession will take my car. I put over 000 in this car that I really love and I do not want to loose it. My credit is destroyed, I have 00 cash and I need another 00 to pay it off. My sister is willing to help me, she got an `ok` credit score, she applied at Wells Fargo for 00, got approved with a 35% interest. She was supposed to get the money 5 to 7 business days but it`s been already 14 days and nothing seems to happen. The Repo is looking for the car for 2 weeks already and I`m afraid they gonna find it before I get the money. Please help me with any kind of information in order to get a loan and keep the car
Best answer:
Answer by WRG
I’d give them the car before I paid 35% interest. I suggest you do the same.
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technically, you owe them the back payments, not the full amount. And if your sister got a loan at 35%, then you don’t want the car that much because you will way more on this loan than anything else. Find out if you can pay the back payments, penalties and interest before she gets this money. And if your car is repossessed, then the finance company has to let you get a chance to catch up on the missed payments. You can get the car back the very next day if you pay what you missed.
Check your documents. 35% interest is ILLEGAL in nearly all sates. If your credit was that bad, you would have been flat out denied. If you did this properly, YOU should never see the $6000. Wells Fargo should have sent it directly to the prior lender to pay off the original loan.
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