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OP, don't take this personal, but lenders have lifetime's worth of data available to them based on factors such as loan amount, age, occupation, etc. The reason your finding it hard to get a low interest rate loan is due to your age and occupation (self employed). $60K seems like a ton, but you are also in California which has high taxes, and a high cost of living. Being self employed and 19, you are high risk. You may not feel that way, but that is how the system works, and lenders have the data to back it up.
Simply put, paying 10-15% interest on a car that cost $30K or so is a horrible decision. I don't car how bad you want the car, cars are one of the worst investment out there and depreciate considerably the minute you drive off the lot. Compounding that with $10-15K in interest payments is just, well for lack of a better term, irresponsible.
If you are not able to secure a loan that has a 1-4% or lower interest rate, you are simply going to have to either save up more cash, or come up with another plan. Or pay the bank a ton of money in interest and hope nothing bad happens.
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