im not in a financial burden, all i got is a truck note. ive only had credit for 3 years, thats my problem, not enough time.

I want more toys than I have cash for. Guess what I don't have.

American way is to have

ima prolly end up buying a brand new, i found a great deal on that new one, but i know i can get financed on a brand new one bc that will be the collateral.

this thread got a lot more responses than i ever thought, lol

And honestly if I could go back I would have bought a house at 23 instead of a boat.

This is intended for clay lol

THis is true, on the other hand if you haven't been paying on anything or have bills or any kind of something in your name it'll be hard to get a loan for anything i don't care how old you are. But i do agree. My credit started out with buying a TV and DVD player from Conns, they give great scores on your credit. Thats how i got started, i was in the same situation this guy was in so i just said screw it and tried to get my credit score as high as possible by buying little things and making the note and paying them off at the intended date.

i have rent in my name, paid off one truck, and now i have another truck im paying for, work for one of the largest companies in the world. it just pisses me off, bc some jig-a-boo could walk in to LEXUS tom and say "what i be needin to buy me a Lecus" and the motherfucker will get a loal with zero down for a 60,000 vehichle with like a 500 credit score and all other kind of horrible shit on his record, so yall can see

why i am frustrated by all this bullshit

Some toys are too expensive to pay cash for.

You can finance toys such as camps and hunting land that stuff rarely deprecates

to me an aluminum hull should hold its value.

You just keep telling yourself that...

They don't end of story

haha, all i know is some way, some how i will have my motor for hunting season, see im not afraid to finance it bc we get a 7% bonus (minimum 7%) on our total yearly income, and i have worked a lot of overtime so my bonus will be fat, plus my tax return, will be gettin the tax return and bonus around the same time, so ima just pay that shit off with that, i want it bad for huntin season though, tired of reyling on others.

this thread will keep me occupied all night, lol

If you can get 7K paid off in less than a year then just wait a year and save. Easier said than done though.

I'm an impatient mf!

Buy what you want , when you want , and how you want and try to save alittle if you can , life to short your only here once. But one things for DAM sure don't buy no mudbuddy.

Go to a credit union as stated earlier a few years back my buddy told me he got a truck financed for 1.5% I went the next day opened a savings account with $25 and got the loan the same day

If you put a deposit in a sport v you won't need to finance. You will have the money saved before you get it

He who dies with the most toys wins!

cant take the money to the grave with ya!

i aint buying a house or building a house anytime soon bc i dont plan on stayin where i am permanently, and if i get a new job back home i can move back in with the parents and save some fucking BANK!

I used a credit union. 20 years old when i got approved for it. Took the credit union bout a day and I got a call back and had my check for like 7k or so to send to pd to start my build. When it arrived at my dealer here in town I got a check from them for the rest. I've only had a loan for 4 wheeler and a personal loan before that. (Had co signers for both of those) the bank my family/family business has banked with for close to 30 years wouldn't approve me for the boat. Parents have never missed a payment and both have awesome credit. Idk what it is bout credit unions but they seem easier to work with

viewtopic.php?f=61&t=42568

Just a thought Pintail

yea i seen that, but that dude is in fucking florida, im weary of buying used if i cant play with it and handle it and see it first hand, that does seem like a badass deal

U have never seen a banker chasing a hurst