Have about $700 in checking and payday coming Friday which should be around $1000. Beyond that I have no credit space left and am in the process of paying off the two cards I’ve maxed — one is on a locked payment plan and the other I just got current but with no space left on the cap, like $40 or so. My credit score is fineish, around 623, and has been steadily climbing due to me tackling my debt hard recently.
Trading the car in in its current condition would only net around $3k, and that barely covers a down payment for a used beater from CarMax, on which I wouldn’t be able to afford the $300/mo payments.
Do I get a loan? The ones I’ve seen on CreditKarma seem pretty predatory, and another $100/mo MINIMUM payment for the next three years would really suck, but would it be worth it in this case?
Just looking for any advice/ideas that might be able to help get my car fixed in the short term — I’m already currently seeking better employment, I’m working in a restaurant as a server right now while I’m in between “big-boy” jobs. A string of bad luck with sudden large expenses has left me in more of a hole than I even usually am, and I’m just trying to find a way to stay afloat.
Thanks for any help you can provide!
Submitted May 07, 2024 at 03:27AM by Widjamajigger https://ift.tt/QHh30Kb
