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Sorry, can't feel bad for her. Also, $1300 car payment?
Re: $1300 car payments:
Many vehicles costing upward of 20k or more, probably averaging out for most makes and models to 30K +, no down payment or trade in, being pushed for a shorter term loan, and easily over 6% loan APR?
Yup…car payments get crazy. I put 7K down and had a credit score of 83X back in 2024 when I bought my 2025 Forester at 33K and the best APR I could get was like a 5.7%. My payments are around $520/mo.
Shit is WORSE today with inflation, tariffs, etc.
I just got a $19k car loan for about that APR for 5 years and am only paying ~$350. I actually could have gotten just under 3% if I used my bank, but they were too limiting in where I could buy from. My credit rating is 800+.
I used my bank and they only offered 5.6 or so at the time. Perhaps your got in at a lucky time. Not sure what bank you’re with. I’m, unfortunately, with Bank of America.
A credit union. I ended up with a loan from the bank the dealer works with though. From what I could tell, a small regional bank. Though, the dealer wasn't in that region. 🤷
Yeah... never borrow from huge banks. Local bank or credit union if you can manage it
You’re surprised this dumbass makes poor shortsighted choices?
My deepest apologies for my intended snark not being appropriately communicated through the medium of text.
Car payments can vary wildly depending on purchase price, term and credit rating/interest rate. But if I were to guess, she got the trifecta.