Most people ain’t lucky enough to have their parents help them with their credit because their credit sucks already

@thaboywin

7 ай бұрын

I agree

@Areplayyz

7 ай бұрын

Yeah I’m 18 and both my parents credit sucks. I had to finance a 2012 Camaro 2SS with 0 credit. 40% down payment and still high payment because of the interest. I plan on refinancing the loan in about 6 months

@guillermopacheco5005

7 ай бұрын

@@Areplayyzexactly it’s not that easy. I have kids and I’m not putting them on my insurance , I’m charging them Rent and I’m not putting them On my CC’s. Your first car needs to be a little more humble all my opinion of course

@Dan-gj1hz

7 ай бұрын

Doesn't have to be a parent. If you are responsible and have someone who trusts you and they have good and mature credit, then having them co-sign can bring down your interest rate and monthly payment significantly. You just need to draft up a contract with that individual and possibly throw them a little something $$$ for helping you out.

@Dan-gj1hz

7 ай бұрын

@@Areplayyz Did you REALLY have to buy/finance a Camaro ss though...

Always putting the gang on no Kizzy💕

@thaboywin

7 ай бұрын

You already know 🤝

Very good video ❤

@thaboywin

7 ай бұрын

❤️❤️

nah fr bro im still in that stage but im figuring out my credit and an stuff an i been watchin yo vids inspiring fr im trynna get that charger you had to start. just a question even with good credit and able to afford that mustang is your insurance higher?

@thaboywin

7 ай бұрын

Good question, I’m paying little over $100 for the mustang and about $90 for the charger I had with full coverage. Reasons my insurance are low is because I got family plan insurance with my parents. How much you pay on Insurance depends on your driving records, vehicle type, vehicle years, drivers age and where you get your insurance. I recommend you to have your insurance with your parents still as long as you live with them and shop around for best price! FYI my insurance is FARM BUREAU.

@fuzion_nova4512

7 ай бұрын

@@thaboywin okay i really appreciate that im on my moms insurance and we are with state farm ill do more research and see if i can make a switch cause yeah u got me beat. i have a 08 impala chevy my Insur is bout 250 , im 18 and i understand it may not change just like yours but it has given me clarity and ill see what the insurance is like on the charger i want and if we can go from there but i jus got a better pay job so i feel i should be able jus wanted to say again thank you bro

thanks ❤

@thaboywin

7 ай бұрын

❤️❤️

gt at 19 is crazy bro, humble asf thats actually a dream

@thaboywin

4 ай бұрын

Thanks to God! Anyone can pull it off tbh

kc representttttttttt

@thaboywin

7 ай бұрын

Putting KC on the map

Bro how much the Rt sold for? I have one same year as you had similar mods

@thaboywin

7 ай бұрын

12k

Are u planning to get the scat for another car

@thaboywin

3 ай бұрын

I plan on getting another Mopar.

Here’s some more advice, find a federal credit union and get a secured credit card

@thaboywin

3 ай бұрын

appreciate it, I’ll look into that.

To bad I have to pay for college and rent. But when I graduate I got my eyes on a bmw m340i

@thaboywin

7 ай бұрын

Good luck!

@Dan-gj1hz

7 ай бұрын

Biggest mistake new college grads make is buying a super nice car out of college. Even graduating without college debt, it's not worth it...

@Tency777

7 ай бұрын

I got college and rent too my boy 😂no excuses

@matthewwax4434

2 ай бұрын

@@Tency777what do you do for a living

Got my 10 speed 2018 gt premium right as I turned 18, my insurance cost me $360 with Geico 💀

@thaboywin

7 ай бұрын

Shesssss🔥, try having your insurance with your parents still if they coo, you’ll save a lot

Can i get a loan with the discover it card?

@thaboywin

7 ай бұрын

Yes if you got good credit score

@AU-xe7jl

7 ай бұрын

@@thaboywin i have an 710 i think bout getting at gt but than i want a v6

@thaboywin

7 ай бұрын

@@AU-xe7jl you got good credit, you’ll also need proof of income. V6 or V8 that’s up to you.

Are they really that expensive

@thaboywin

7 ай бұрын

No, anyone can afford one

Got that double digit interest rate lmao

@thaboywin

7 ай бұрын

7.29% bud

@Dan-gj1hz

7 ай бұрын

@@thaboywin I expected worse but 7.29% is still not good unless you got a crazy deal on it. Prices are in a freefall right now

@thaboywin

7 ай бұрын

@@Dan-gj1hz “In the second quarter of 2023, the overall average auto loan interest rate was 6.63% for new cars and 11.38% for used cars”. I did shop around for awhile till I made my move so I think I got good deal on it.

@Dan-gj1hz

7 ай бұрын

@@thaboywin If the price made sense, then that's what matters. Dealers are unable to sell new and used vehicles right now. The big 3 auto manufacturers are struggling to sell anything, so the huge discounts are coming.

@Dan-gj1hz

7 ай бұрын

@@thaboywin I picked up a C5 corvette about a month and a half ago for what I thought was an excellent price. Now the prices are falling to about a thousand dollars above what I paid for mine. Prices are dropping THAT fast.

Pretty sure you live rent free with your parents still so ofc you can afford a $50k car. Not that hard

@thaboywin

7 ай бұрын

lol you know none about me, fyi I been paying bills since 16 and now I’m paying well over $2k a month in bills & etc.. and there are folks who live rent free with their parents and still can’t do what I done so everything comes down to HARD WORK.

@RSJerelle_

7 ай бұрын

And your point is? Nothing wrong with that. His parents clearly love him enough for him to stay home and save money and not struggle in the streets at 18

He talking about building credit when u 16 😂😂 he got a co sign why u bs 😂😂

@crunchysnax

7 ай бұрын

yeah he said if you go to your parents and ask them to add you as an authorized user to the card you can start building credit before you’re 18. not that hard to understand ngl

@juanarriaza3439

7 ай бұрын

Well he lucky cause I’m the only one in my fam wit credit 😂😂

@thaboywin

7 ай бұрын

There’s even banks that don’t got age restrictions so your parents could even put you under their credit at any age

you said “that job” like ten times. haha why dont you say what your job is? we dont care about how you got the car? everyone knows that you can walk into a dealership and buy any car. We are wondering how a 19 year old can afford it. you didnt even mention your monthly payment or insurance. you gave the same information that a car dealer provides. “have credit history and get approved!” wont prove me right until you flash us a paystub my guy, just scratch out the important information. I make 20$ an hour and barely get by to make payments on my jeep patriot💀 (ノಠ益ಠ)ノ

@thaboywin

7 ай бұрын

my bad I did left out lot of information when I tried editing the video together but I got what ur asking for , i did mentioned the monthly payment in the video which was $700, pay around $100 for full coverage since im still under my parents insurance and make $26 a hour that’s fair enough?

just because you can buy it doesn’t mean you can afford it. Two different things.

@RSJerelle_

7 ай бұрын

Most of the time they apply for loans… which nothing is wrong with financing a car. Especially in this economy… I got a 19 camaro v6 a few months back and financed it. This I realized my mistake of buying a v6… so I’m on my way to get an LT1

@thaboywin

7 ай бұрын

@@RSJerelle_ hope you get that LT1💯