Trying to normalize $600+ car notes is just crazy to me… you shouldn’t be paying rent on a car, ion care how low your credit score is

For the people saying “do the math” buying a NEW car for $40k+ is a CHOICE! I’m speaking for the average person who’s looking for an affordable/reliable cars who think they don’t have other options, stop tryna make it about anything else… tweet muted dumb fu*ks

@PICchaMane Literally the best advice you can give. They cannot argue with them numbers, they will not hustle you, go straight to the bank literally.

@_AudienceOfOn3 Exactly!

@PICchaMane 100% My sales rep kept asking me who I was financing with and when I told him I had my own loan he was like “ well let just see” and sent me over there anyway.

@Just_Lookin__ They will literally try to put you in a 360 deal like no I’ll take my 4% at my credit union

@PICchaMane how exactly do you do it ?

@Liseeystrap Whoever you bank with has an option on their website to apply for an auto loan… you apply, it ask a couple questions like loan amount needed and your income, etc then they review your application (shouldn’t take no more than a day) and they give you an amount you’re approved for

@PICchaMane I tell people to refinance with a credit union but they never wanna listen to me

@DaintyBlackGirl Keep banging it into their heads… they will thank you later

@PICchaMane I’m positive their not lying, just look at the average car loan right now

@DramaGotRacks I’m sure some are definitely telling the truth cause they decided to do it through a dealership or got money to blow

@PICchaMane but in order to refinance for a lower car payment, you gotta have good credit right??😭

@prettyyassvirgo It depends on the bank requirements but majority of the time no but it’s a plus

@PICchaMane Thank you for putting the masses up on game

@KarriOnnnn Always 🙏🏾

@PICchaMane Ypu walk in talking bout u pre-approved them niggas mood change so quick

@PICchaMane @EBreanna__ I don’t know how true it is but someone told me that by law you aren’t even required to put a deposit down on a vehicle. Can someone respond if it’s true or not? Only because the person I know didn’t even put one down for there previous or recent vehicle

@PICchaMane @dapmeup_ 1200 for a car note is wild… that’s my mortgage

@PICchaMane On top of that , don’t tell them you have the guaranteed money. IF THE PRICE OF THE CAR ONLINE IS $16k THE CAR IS 16k. Don’t let them try to get that $16,000.01 - if they do WALK OUT. That ain’t the only dealership with that car.