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Old 06-05-2013, 12:33 AM   #121
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Quote:
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Why would anyone financing anything me off? And for those of you that cant do math im not anywhere close to even 30% debt to income ratio. Needless to say, like the title of the thread says. Stubbs Lost a customer today. Im willing to bet by the end of this month I will bring at least 2 sales, one from me on my Scrambler and the other from my buddy buying his 2013 R6 (Waiting on Awesome Cycles class date for his license) and my other buddy looking at buying a RAZR since his wife keeps near killing herself when she rides the four wheeler, might be the 3rd. I held Stubbs customer service and Motivation on a pedestal until today. Stubbs chooses who they use for their financing company and it is robbing them of sales. Point being is the BEST type of advertising is Word Of Mouth and if it comes from me after today Stubbs wont get a good word anymore.
Who finances ANYTHING through a dealer?

Like everyone else in this thread has already said, if you are going to finance....GET PRE-APPROVED THROUGH A CREDIT UNION OR BANK!!!!


The dealer has nothing to do with that. If you can't get approved, that's YOUR problem and NOT Stubbs. Stubbs has nothing to do with your crappy credit history or lack of....
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Old 06-05-2013, 12:56 AM   #122
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If its credit youre trying to build, get a CC with low interest and finance 1/2 the bike, pay it off in 3-4 months.

Personally, I hardly ever carry cash and use my CC for 90% of my expenses, & just pay off the CC balance every month. I started doing that when I lost my wallet in my teens/early 20s and lost a few 100s in it.
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Old 06-05-2013, 01:02 AM   #123
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Wow this escalated quickly.
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Old 06-05-2013, 01:28 AM   #124
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I'm actually learning a lot about building credit from reading this tread. I hope most are all good info.
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Old 06-05-2013, 02:39 AM   #125
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Did I count that right? 6 vehicles and no house? Somebody needs to listen to Dave Ramsey... I wonder if he has the mullet to go with that "fast car 02 Trans am 500hp MINT"?
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Old 06-05-2013, 07:14 AM   #126
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Since this has turned into the MH credit and finance show, I'll continue with the thread jacking. My girlfriend and I would like to buy a house next year. I want to get out of this hood neighborhood and she is now realizing that living around the corner from the family isn't always the bee's knees. We both have the 20% down payment, but we're in school. We should just put this on the back burner and continue saving money until we're finished with school huh?
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Old 06-05-2013, 07:32 AM   #127
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Why is finishing school a big factor? Could you afford the note now?
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Old 06-05-2013, 07:39 AM   #128
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Quote:
Originally Posted by hurahn View Post
Since this has turned into the MH credit and finance show, I'll continue with the thread jacking. My girlfriend and I would like to buy a house next year. I want to get out of this hood neighborhood and she is now realizing that living around the corner from the family isn't always the bee's knees. We both have the 20% down payment, but we're in school. We should just put this on the back burner and continue saving money until we're finished with school huh?
Don't finance anything with a girlfriend no matter how good the is.
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Old 06-05-2013, 07:41 AM   #129
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The manager told me that the bike loan is a very high risk loan because its a toy and its the first thing that people neglect and get behind on
Bingo! Banks are reluctant to finance toys unless you have a large amount of money in an account with them.
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Old 06-05-2013, 07:43 AM   #130
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Quote:
Originally Posted by OpnCskt View Post
Tried to finance a scrambler 850 today. At a 724 credit score and just short of $6000/mo income I got declined. No rent or mortgage and only 1 car payment... I will not return to Stubbs again.
Do you own your home? How long at your current address? How long at your current place of employment?
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Old 06-05-2013, 07:46 AM   #131
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Quote:
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That's not the question I asked.
He is right about that though. Unless you can make the full DP alone, wait till you are married.
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Old 06-05-2013, 07:53 AM   #132
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Quote:
Originally Posted by hurahn View Post
Since this has turned into the MH credit and finance show, I'll continue with the thread jacking. My girlfriend and I would like to buy a house next year. I want to get out of this hood neighborhood and she is now realizing that living around the corner from the family isn't always the bee's knees. We both have the 20% down payment, but we're in school. We should just put this on the back burner and continue saving money until we're finished with school huh?
What are you in school for? New career or job advancement?
If you both currently have stable jobs, and going to school is just for job security and advancement, then go ahead and buy whenever you see the timing is right.
However, if you are seeking a new job after school, I would say wait. simply because you don't know where the job is going to take you to, given Houston is geographically large city. I have turned down a job with a IT company who is associated with NASA because I live in the Woodlands.

my 2 cents.
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Old 06-05-2013, 08:36 AM   #133
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Quote:
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He is right about that though. Unless you can make the full DP alone, wait till you are married.
DP is no problem for her and it's not a problem for me.
Quote:
Originally Posted by nilnwahs View Post
What are you in school for? New career or job advancement?
If you both currently have stable jobs, and going to school is just for job security and advancement, then go ahead and buy whenever you see the timing is right.
However, if you are seeking a new job after school, I would say wait. simply because you don't know where the job is going to take you to, given Houston is geographically large city. I have turned down a job with a IT company who is associated with NASA because I live in the Woodlands.

my 2 cents.
We definitely don't have stable jobs. We're full time students. New career for me and new/or job advancement for her. She's going for medical and I'm going for computer science. My main concern is the job market, but all you hear is that the interest rates are low, low, low!! I think we should be able to just suck it up and wait at least 2 years. She'll be finished with school and I a year later. It just doesn't seem like a good idea to move to another rental.
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Old 06-05-2013, 08:56 AM   #134
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Splitting a house in a divorce sucks. Trying to manage it from a break up stand point is even worse.
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Old 06-05-2013, 09:08 AM   #135
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Quote:
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Splitting a house in a divorce sucks. Trying to manage it from a break up stand point is even worse.
A house? What about a pet?
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Old 06-05-2013, 09:15 AM   #136
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Quote:
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DP is no problem for her and it's not a problem for me.


We definitely don't have stable jobs. We're full time students. New career for me and new/or job advancement for her. She's going for medical and I'm going for computer science. My main concern is the job market, but all you hear is that the interest rates are low, low, low!! I think we should be able to just suck it up and wait at least 2 years. She'll be finished with school and I a year later. It just doesn't seem like a good idea to move to another rental.
You just answered your question in first sentence.

Wait till you have a stable job, if you think in 2 years. Wait that long.


Trust me, these interest rates are not gonna take a huge jump in 2 years...

If at all.
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Old 06-05-2013, 09:27 AM   #137
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Quote:
Originally Posted by hurahn View Post
Since this has turned into the MH credit and finance show, I'll continue with the thread jacking. My girlfriend and I would like to buy a house next year. I want to get out of this hood neighborhood and she is now realizing that living around the corner from the family isn't always the bee's knees. We both have the 20% down payment, but we're in school. We should just put this on the back burner and continue saving money until we're finished with school huh?
wait for a stable job, seriously.
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Old 06-05-2013, 09:31 AM   #138
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wait for a stable job, seriously.
Yeah that's the plan. We'll keep tucking money away.
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Old 06-05-2013, 09:37 AM   #139
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Hey OpnCskt, jump in.

I've dug the hole for you.

It's not very often I do any name calling, but you sir, are a .
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Old 06-05-2013, 10:06 AM   #140
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Hey OpnCskt, jump in.

I've dug the hole for you.

It's not very often I do any name calling, but you sir, are a .
WHOA!....Harsh, man
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