Help with Personal loan

I'm sorry but I can't take anything you say seriously when you use a name from a tv show.

----500rwhp corn juiced & boosted ls1----

 

Rippen don't listen to raj. I was going backwards a year or so ago aswell. The last thing I was going to do was sell my car that I'd been paying a loan off on for less that what it's worth. So I get where you're comming from. I was just lucky that work picked up and I've been doing allot of overtime and managed to get back on top. I hope it all works out for you.

Clairbear hit the nail on the head, guy clearly lives in a bubble. Don't let him get to you lol

 

Nobody NEEDS a brand new VE SSZ ute. Like I said. That's the main problem. The mis-understanding of the word NEED.

 

Most of us have been there wazza, your spot on!! just a blip on the radar,you will bounce back rippen..just like JOHNNO maybe with less ferocity but :smoking:

 

Wow, you don't even need a car at all. Still doesn't mean he is going to cut his losses because he's going through a rough patch and loose a whole bunch of money and his car that he obviously loves. He's clearly looking for other options first, wouldn't you?

 

^^^^ think 99% of us are on the same page here......................crazy unless NO other option available,thread wasn't titled "do I sell my near new car at a big loss"

 

im not sure how this would go but...
could you possibly ask your parents/relatives to help out a bit if desperate?

I mean, its not the best option.
but if it is needed quickly I would have a guess they would be willing to help.
even if its not the full amount.

 

Your right he didn't need a new car, he wanted it end of story. The same as you didn't need to come into his thread and try to big note your self, you wanted to, so #### off. Raj hates coz rippens car is better than his.


To the op, have you looked into one of those low rate mastercard/visa cards.

 

[HR][/HR]

You don't let up do you?
How do you know he doesn't need it?
What are the repayments on your senator and why do you need it?

 

Let up? When it comes to a lack of common sense, I do realise I'm flogging a dead horse. But it never ceases to amaze me that so many people just don't get it so I can't help but try to help.

Wow! There's a lot of people that don't understand need vs want. Nobody needs a brand new V8 ute. I know plenty of tradies in banged up old utes and vans that get by fine. Think about it. Do you need it? Or is it a luxury you're over committing to and realistically can't afford? Why doesn't anyone else (well, other than minux) seem to understand that being desperate/urgent/whatever for a mediocre $5,000 while owning a $40,000+ new car is absurd?

Personally, I will never own a depreciating asset. Well I'll never say never. I do plan on buying either a new Indian or a new Harley soon but I plan on owning whichever one I choose for the rest of my life. Either way, I'll own it outright and it will likely only depreciate while I'm alive. Regarding my car, it's setup so it actually benefits me financially without me owning it - a lot of people do it this way. I don't pay as much tax and don't have to worry about the depreciation. It's not a NEED for me though and I am fully aware of that. I've never said my choices are based on NEED. A lot of my choices are based on WANT but only WANTS that I know I can easily afford. I will NEVER try to convince myself a want is really a need and over commit to anything as so many here seem to be very willing to do.

Regarding the OP, minux was absolutely right when he said "maybe the OP should have a less fancy car, one that gets from a to b and does not require 13 litres for every 100 km then he could afford to do it without asking on a forum".

Same sentiment but as me really. It's $5,000! FFS if you can afford a luxury item such as a BRAND NEW V8 car, then $5,000 shouldn't matter to you.

 

minux they don't get it. lol

 

do you not understand this isn't about what type of car he owns/drives.

 

lol it's absolutely directly related based on the information provided. the fact people (incl. the op) don't get that is astounding.

 

You just keep repeating yourself raj. We completely understand what your saying.

You should pull your head out your arse and try and understand that just because someone has an expensive car doesn't mean they can come up with $5000 that easily. And he doesn't want to sell it so you're wasting your time telling him to.

Eh, I can't be arsed with you anymore.

 

Oh so Raj doesn't actually own his Commodore......

 

MINUX..i would debate the MANY lenders helping out statement re paid defaults in the past 5 years....I know your about to tell me possibly that you work in the industry lol if so,give him a referral,see if his income to liability ratio flies? problem will be possibly,no security available...maybe a guarantor could happen as Drawnite suggested,dunno...

One thing I do agree with Raj on..its ONLY 5k.. if he doesn't want to sell his car(and drop twice that)and he will suck up the higher rate on a ripoff 5k loan then its his choice,was seeking advice as to any finance options/debt assistance etc .. and I believe he is going to look into some that were suggested,just not the one you and raj suggest in selling the car.

 

he doesn't want to sell it, but wants $5000? what does he need more, the car or the loan?