How do you make your payments?

[Kal-El]

Originally Posted by AlexNet0

at 14.9% INterest, I pay as much as possible, as often as possible, all online, because over the phone and mailing costs me extra.

Good to know I'm not the only one with high interest. Mine is 20%!

Had to buy immediately after my bankruptcy discharge to replace a car with 253,000 miles on it. My wife will be getting out of school and starting a new job soon so I'll be able to pay it down quick.

[rningonfumes]

Originally Posted by AlexNet0

at 14.9% INterest, I pay as much as possible, as often as possible, all online, because over the phone and mailing costs me extra.

Originally Posted by Kal-El

Good to know I'm not the only one with high interest. Mine is 20%!

Had to buy immediately after my bankruptcy discharge to replace a car with 253,000 miles on it. My wife will be getting out of school and starting a new job soon so I'll be able to pay it down quick.

You guys aren't alone. I was at 14 %-Toyota Finanacial for the first year and then I refinanced with the local credit union down to 9.74 %... for another 84 months. Why 84? I'll explain: makes my payments low enough to where I can pay off the unsecured debt without worrying about the good loan (carpayment). Went from 378 to 270 a month. Now it looks like I'll be free of credit card debt (unsecured ) by the end of this year and then I'll put as much as I can afford over the 270 a month, maybe pay the car off in a year and half.

So stick with it! And try to refinance after a year or so.

OH, and I pull out money to pay at the bank in person.

[sf180th]

I have it deducted automatically from my bank account, don’t pay any extra and have 6.00% interest. Car will be paid off in full next month!