my credit is not so good does anyone know of a good lender

 

That really depends upon what you mean by "not really good crecit" *sorry if not verbatim*


VG

 

Bad credit is relative. It all depends on "How Bad?". If you are truly screwed, you are going to get stuck with a 17% to 19% loan. Chances are whoever finances you will sell the loan to a holding company, so "good lender" won't make much difference. Talk to the dealer and see what they can work out. The other option is to talk to your local bank and see if the manager can help you out with a better rate based on a personal decision.

I don't know your age or experience, but on the chance you are a "kid", I'll venture a bit of advice. If you are going to get stuck with a rate higher than 8% - 9%, don't buy a car as expensive as the Z yet. Go buy the cheapest NEW car you can find. Make your payments on time, early, and in excess of the minimum required. Future car loans will drop in interest fairly quickly with good payment history. This is most true if you finance through one of the manufacturers finance divisions like GMAC, Ford Credit, Mazda Credit..... If you charge ahead and buy an expensive vehicle, you will be so upside-down on your loan you won't be able to sell it without owing a huge remaining balance, and you will wind up paying $50K for the thing. Be patient and fix the credit first.