What am i looking at for car loan?

credit score is 630 - vehicle is priced at 11,990 - i have 2,000 to put down. i have one credit card balance is 11.00 - i put about 20.00 a month on it and then pay it off in full - i have no repos - forclosures - bk - liens - what i do have is some old credit card debt that was charged off (not talking about huge amount) this was back in 2002 and it is scheduled to come off in jan 09 - i have kept my credit clean since then except for a outstanding medical bill of 684.00 - my monthly bills are low - my yearly income is close to 28,000 - so what does everyone think i am looking at - got any suggestions on who to go to for financing

Auto finance is what I do for a living and your best bet is always your own bank or credit union.

You can also try Capital One, H.S.B.C. , Wells Fargo and Citifinancial Auto.

Your best bet is to save up for a cash car. You will never get ahead making payments and paying interest.

Save what would have been your payments.
No payments = cash in the bank.

I think you're looking at a monthly payment of $245-$265 * 48 months.

But you're also looking at too expensive a car.
Buy a $2,000 cluncker, put the extra $250/month toward your credit cards, and your debts will be paid off in no time.

There is a lot of useful and intresting information here to help answer your quetion.http://carloan.featured-resources.info/e...

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