l drive a 1996 Pontiac Sunfire which l bought for only $500 from my boyfriend is sister. Well, to make a long story short, it is done for.

I am a freshman right now in Community College and l declined my financial aid because l can manage to pay for school with the part-time job l have.

Now I am looking into buying a Kia Sportage for $6995. I am 19 and have no credit. How can l pay for school, cell phone bill, insurance and a new car?

I've thought about a loan but since l have no credit and my parents have bad credit, how will this ever happen?

First Kia Cars hve a bad record,,Most dealers can help with a loan Do you need it? or want it?

As long as u have enough cash for 20% down payment & earn at least $12,000 a year, u should get approved.

If not, then u should reapply for financial aid & use it to buy a car. Do not buy a Kia because it is not reliable. I'd try to find a 5-10 year old Honda or Toyota. l once purchased a 15 year old Honda with 200,000 miles & it lasted another 25,000 miles without breaking down. l sold it for almost what l paid.

You should also apply for credit cards ASAP to build credit. Or if ur parents have at least 1 credit card account in good standing, have them add u as an authorized user, then u will instantly inherit their credit history (for that card only).

You CAN get a decent car loan, even with bad credit. I've done it, but u will have to look around. That is one of the BIG mistakes people make.just taking the first offer that is given to them when they go to the dealer. Be smarter than that.

WARNING: DON'T GO TO BUY A CAR WITHOUT HAVING THE LOAN FIRST. The auto dealers will eat u alive & give u a crappy rate. Shop around with lenders who specialize in bad credit car loans. It is a better option, u do not have to take what they're offering if u do not want it, & it is better than dealing with the car dealer is people.

There r usually some nationally based car loan companies who specialize in bad credit car loans who advertise on the page linked below.

http://axalda.info/bad-credit-car-loans.html

Why is this question under handball/sports?

Anyway to answer ur questions:

Getting a car loan?
l drive a 1996 Pontiac Sunfire which l bought for only $500 from my boyfriend is sister. Well, to make a long story short, it is done for.

l am a freshman right now in Community College & l declined my financial aid because l can manage to pay for school with the part-time job l have.

Now l am looking into buying a Kia Sportage for $6995. l am 19 & have no credit. How can l pay for school, cell phone bill, insurance & a new car?

YOU CAN'T. So quit school or settle for a used car.

I've thought about a loan but since l have no credit & my parents have bad credit, how will this ever happen?

l have no clue how this will ever happen, but u might try applying for student aid/loans, and/or getting a full-time job for a few years, & than going back to school.

Good luck to you.

Why is this question in this section??? Handball IS A SPORT! IT HAS NOTHING TO DO WITH CARS !!!!!