Does anyone have any advice on how to get a bad credit auto loan, that's safe? Basically, I was divorced last year, I don't have much credit, what I do is bad and I just started working so I don't have any savings yet, really.
My mom takes my dd (special needs) to school everyday on the bus while I go to work at the hospital 30 miles away. It's easier for me to drive because to take the bus would add hours to my already hours long commute cutting down on the already limited time I get with my kids. So don't give me crap about it, ok.
I REALLY want to get a car for my mom, something cheap. She won't finance anything, because when I got divorced, she put my car in her name, even though I make the payments and she doesn't want to add anymore debt to her name. She said she'll get a car if I finance it and after all she does for me, I feel like that's a fair solution. She's basically taking care of my kids, letting me live w/ her, assuming the role of my wife, ect...it's the least I could do.
So here's the problem, how do I get a used car with no down payment, bad credit and no savings? I make excellent money, I just don't have the money right now to spring for a car. However, my dd and mom having been walking to the bus stop in the rain, so something has to change like, now, cause that's not right. I'm afraid of the internet adds and I called a few dealers but they'll finance me, but want 1000 down or something.
My sister might co sign, but she's a banker and anal about her credit. However, this is for our mom, so she may have a heart about it.
I guess I'm just wondering if anyone else has had a similar situation and what they've done.
My mom takes my dd (special needs) to school everyday on the bus while I go to work at the hospital 30 miles away. It's easier for me to drive because to take the bus would add hours to my already hours long commute cutting down on the already limited time I get with my kids. So don't give me crap about it, ok.
I REALLY want to get a car for my mom, something cheap. She won't finance anything, because when I got divorced, she put my car in her name, even though I make the payments and she doesn't want to add anymore debt to her name. She said she'll get a car if I finance it and after all she does for me, I feel like that's a fair solution. She's basically taking care of my kids, letting me live w/ her, assuming the role of my wife, ect...it's the least I could do.
So here's the problem, how do I get a used car with no down payment, bad credit and no savings? I make excellent money, I just don't have the money right now to spring for a car. However, my dd and mom having been walking to the bus stop in the rain, so something has to change like, now, cause that's not right. I'm afraid of the internet adds and I called a few dealers but they'll finance me, but want 1000 down or something.
My sister might co sign, but she's a banker and anal about her credit. However, this is for our mom, so she may have a heart about it.
I guess I'm just wondering if anyone else has had a similar situation and what they've done.