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  • *sigh even though I'm getting paid, I'm only getting paid 8.60, basically minimum wage. How am I suppose to buy a $15,000 car when I have to pay my phone bill which will get in the way as well.
  • *Phew the car is still here, but so is the price I was hoping the price will go down maybe I should go to the bank and get a loan
  • I am hoping to get a loan of $15,000 for a used car I want to buy
  • Welcome to the Bank of America how may I help you?
  • Oh, I see... well thank you, I would go see my credit counselor to understand this more
  • Sorry you couldn't get the car but its  for the best, see loaning money for a car relies on how trust worthy you are on paying back. Since you are paid minimum wage it looks like you dont have enough income to pay the bank back on time. Beside you have your phone bill to pay as well so this is gonna be really expensive if you get the car, its best you find a job that doesn't pay minimum so  you can make your payment more affordable.
  • I went the bank earlier and I couldnt get the car I wanted he told me that I dont have enough income aka Capacity in the "4C's of Credit" and he mention about my credit score is pretty low, not to mention he said I need to pay interest as well,  I still want to get the car but I dont want to risk getting in debt what should I do? 
  •  But if you still want to get the car based on your income I highly recommend you file for bankruptcy to get out of debt in the future, that way you can have more time to pay the bank back since you do have low income, but  if I were you, save your money now and wait a few years  because car values  come down every year so by then not only would you save money but you would get the car as well with ease.
  • Oh wow really cool, I dint know that you can do that thank you so much I will take your advice and save my money and wait for the car value to go down and I will look for a better paying job to
  • Your welcome, good luck!
  • You are paid minimum  wage so even if you save $200 per/month it will take you about seven years for you to buy your car, excluding your phone bill which will also affect your payment. On top of that you have to pay interest  which is what you pay for using credit. Also in the  " 5C's of Credit" for " Capacity" you lack the amount of income for the bank to trust you enough to know you will pay us back the loan even though you show good character, Im afraid we cant loan it to you
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