How much is that Honda Civic in the window?
For the last two months I have been without a car. My poor Dodge
Stratus took it's last breath and now my boyfriend has been
taking me back and forth to work. I guess if I lived in a big city
having a car really isn't a necessity because public
transportation in major towns are in abundance. I live in
podunk-town USA. Where my place of employment is 25 miles from my
home down a dark, winding road. I would ride my bike but I'm a
smoker and my boyfriends' afraid I will pass out 3 miles down
the road and will have to send out the search parties for me. So I
start my most daunting task of USED CAR hunting. Why is this
task so scary? Because like so many people that I know my credit
sucks. Credit cards, student loans, and over priced medical bills
have left me with a less than stellar credit score. I'm not
even sure what it is and I'm afraid to look. I know it's
pretty bad when the used car salesman comes out shaking his head
and frowning. " There's nothing we can do for you
ma'am. Add sigh here. I went to a local dealership where I got
my last car thinking, "well I paid off my last car with no
problems so maybe they have specials for local returning
customers." Nope. Doesn't work that way. Neither does the
fact that I have a steady job I've been at for over 5 years or
that I've lived in my house for 10 years and I own it and
it's paid off. Nope. None of that stuff matters. Haha,
don't let them fool ya. I don't why I have to waste the ink
it takes to write that stuff on the finance application. Here, give
me a sharpie so I can scribble down my credit score on the entire
piece of paper because that is all you are looking at, right?
And yeah I guess I sound like a disgruntled broke person trying to
get something for nothing. Honestly I'm just looking for
something small and economical to drive back and forth to work that
I don't have to sell my kidneys on the black market for.
It's not like I go in there with my credit score trying to
finance a new BMW or Cadillac Escalade. I can't even get
the 2000 Honda Civic with 100,000 miles on it and the window in the
back won't go up or down. Not unless I have 3,000 dollars for a
down payment which is about half of what the car is worth. I
stopped into a used car dealership yesterday. There were pretty
balloons and signs that read, "No money down!", "No
credit refused!", "You have a job- you ride!" It was
like Disney Land for the broke and car less right? Wrong. The signs
were false and only really good credit got you the no money down. I
walked out frustrated looking for the local dive bar. I'm not
sure why these tactics are used to lure you in just to turn you
down when you get your heart set on the cute little car of your
dreams and the good deal they think they can get you. All I know is
when I finally save up my down payment and get the car I want I
will drive by all those places and see the sad faces of the saleman
peering out from behind the showroom glass wondering why their cars
don't sell. I will be laughing and giving them finger as I
drive by.
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