A car loan you can pay off and under a year is not a big deal. Take the loan bill the credit and have your dream car. Don’t worry about the numbers on your phone man. Just have fun in life.
Someone make sense for me. I understand some of their reasons but a 0 credit score even with 20% down on a 15y mortgage is ludicrous. Thats what they “recommend”. It would be easier to walk to Mars
He shouldnt get the car i mean if its getting discontinued he wont find the spare parts for it he would have to spend a lot of money on its servicing and maintenance cause the model is discontinued and in the future he would have trouble to replace any parts
You have to go into to debt even if it’s fake debt because if you don’t have records your credit score doesn’t count I built my credit score to 800 but got denied every where because I’ve never been in debt
Boy wants that hellcat very bad I know he said it's a GTI but he's capping. He wants it to sound a little bit better so he can get confirmation that he can get the car. But the thing is he don't need confirmation he can get the car😂
He could certainly build credit with a smaller loan that he has the money to payoff at any point just for credit. But a larger loan doesn’t help credit much over a small one. Keeping very low amounts of debt and paying them off in half the allotted time or less helps a lot. And having a good credit score will almost inevitably save him money because of a lower interest rate on the house unless he buys it outright which is a feat and a half in this market.
He said he has 15k in savings.. and that the car is 36k… They act like he’s doing so well and to get the car lol. Then he says he’ll get a loan. What cash do they expect him to buy the car with when he only has 15k?
Get the car! I got a nice car and my credit score went from 650 or 660 can’t remember exactly to 744 in litterly 6 months. Just got an email through my credit card company about getting a mortgage hahahaha. I just turned 20 btw.
Lmao go into debt for it. The guy said he could pay it off in 4 months roughly. 125k a year for a 36k car isn’t crazy. You have people getting 70-80k cars or more when they make like 70-80k a year
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Dont spend 30k on a vw 😅😅 thay are all shit
Yes, he can afford the car stop being dumb
Not every loan is a bad thing
A car loan you can pay off and under a year is not a big deal. Take the loan bill the credit and have your dream car. Don’t worry about the numbers on your phone man. Just have fun in life.
Someone make sense for me. I understand some of their reasons but a 0 credit score even with 20% down on a 15y mortgage is ludicrous. Thats what they “recommend”. It would be easier to walk to Mars
I easily afforded my truck and had to go into debt to get it. Paid off in 6 months
125k a year? He could build a way cooler car for half the price.
Holy shit it’s like these people hear the word “loan” and instantly become idiots
He shouldnt get the car i mean if its getting discontinued he wont find the spare parts for it he would have to spend a lot of money on its servicing and maintenance cause the model is discontinued and in the future he would have trouble to replace any parts
You can find a decent used gti for a lot less than 30k
18yo 125k a yr. 15k in savings. Renting. Not one bit of this maths
You have to go into to debt even if it’s fake debt because if you don’t have records your credit score doesn’t count I built my credit score to 800 but got denied every where because I’ve never been in debt
30k pay off the 6k with minor debt that’s not that bad
“They are discontinuing the golf gti” THANK GOD🙏
ayeee my dad and brother both drive a 2025 manual golf gti
gti is valid i hope he got the car
2/10 tractor guy was abit drunk this time
Tbh he could put Zero down but if he wants to pay it off fast he should put 5k down then get a 4-6yr loan and pay it off early
The “finance” experts are fools
The last line from the dude in the glasses is the dumbest logic!!
If he wants to buy a house you should buy the car and pay off the loan for the car in a year so it builds credit history
Boy wants that hellcat very bad I know he said it's a GTI but he's capping. He wants it to sound a little bit better so he can get confirmation that he can get the car. But the thing is he don't need confirmation he can get the car😂
he will love that gti
18 making over 100k mbn 😭
He could certainly build credit with a smaller loan that he has the money to payoff at any point just for credit. But a larger loan doesn’t help credit much over a small one. Keeping very low amounts of debt and paying them off in half the allotted time or less helps a lot. And having a good credit score will almost inevitably save him money because of a lower interest rate on the house unless he buys it outright which is a feat and a half in this market.
How tf does an 18 year old make $125k a year?
He said he has 15k in savings.. and that the car is 36k… They act like he’s doing so well and to get the car lol. Then he says he’ll get a loan. What cash do they expect him to buy the car with when he only has 15k?
Get the car! I got a nice car and my credit score went from 650 or 660 can’t remember exactly to 744 in litterly 6 months. Just got an email through my credit card company about getting a mortgage hahahaha. I just turned 20 btw.
Lmao go into debt for it. The guy said he could pay it off in 4 months roughly. 125k a year for a 36k car isn’t crazy. You have people getting 70-80k cars or more when they make like 70-80k a year
How do people get a job that pays 125k at like 18 years old? Does rent cost like 10k a month where he lives or something?
If he gets the manual itll hold its value or increase. Especially since it’s the last manuals they’re making.
At some level you need to be in the credit system to actually buy things. Doesn't mean you're going to die in poverty.