Re: [DML] Go Getting My DMC

[Soma576@xxxx]

In a message dated 1/22/03 2:24:53 PM Central Standard Time, 
treehouse2000us@xxxx writes:


> I'm 19 years old, steady income and have saved $8300 towards this 
> purchase. I plan on spending about 14 grand this summer, then 
> another 2-3 at Grady's place on making sure everything is ship 
> shape. I want to do this right the first time.

Tom,

you are in a better position that most. i was 18 with only $1000 saved up 
when i bought my car. i had a hard time finding a loan until i started going 
to some credit unions. they are more flexible than a state bank, i have 
found. i pay about 9.25% (i think, something like that, maybe a little 
less). and i took a loan out for about $15,500. try every single credit 
union in your area - you will probably have to close your current accounts 
and switch over to a different bank in order for them to help you out. make 
sure you have LOTS of documentation about the exact car when you go in - know 
every detail, good and bad. have pictures. this will help sway them that 
you are serious. 

the single biggest thing i can tell you is this - when you walk in there, 
walk in with confidence, have your shxt together, dress professionally, and 
talk with the loan officer in a courteous way - be polite! if you walk in 
with jeans and tshirt and look nervous, would you give yourself money? 
probably not. BE CONFIDENT and you will get what you want! remember - you 
are in a better position than most young people because you have a 
significant downpayment available. 

good luck!
Andy

Soma576@xxxx
1982 DeLorean DMC-12 VIN#11596
Fargo, ND 58102


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