Okay first off, I'm new...yada yada.

I'm wanting to buy used, just because if any unforeseen financial problems arise I know my car payment is safe. I have good credit in my opinion (780), so I know getting approved shouldn't be that hard.

However my paycheck schedule is somewhat sporatic and hard to prove a steady income (commission sales). I've made as much as $7,000 a month and as little as $800 a month. This is my only problem I foresee with getting approved so if anyone was or is in this situation let me know what you did.

I'd like to keep my payment under $350/month. I checked into insurance already and I've been quoted $675 for 6 months, and this isn't even through my current insurance agent so overall I want to keep payments under $500 total.

I found an 03 Touring with 33k miles, all options except nav, no mods only addition is a 7yr. 100k mile warranty. He wants 22k obo but as I've been researching lately people say to stay away from 03's for the most part?

Well let me know what you all think, new to the 350 world, mostly been driving diesel trucks so it will be much different to change.

 

ya, stay away from the 03's. Some are good , some are bad, but I wouldn't tkae the chance. As far as financing. They only care about your annual salary. Maybe they might want to look at last 2 paychecks, but I have only had them do that for a mortgage. Your credit score is good enough, match that w/ a nice downpayment and you will be approved no problem.

Good luck

 

My 03 is fine but if buying used i'd get 04 or later.

 

Concerning irregular earnings and a loan. I suppose that you do not have W2 earnings? Bring a copy of you tax return to the lender.

Which 350Z is best for you? The one you can afford obviously.

 

Did you take a copy of your W2 statement to the lender? What happened?

 

If you have any more questions, don't hesitate to waste my time.

 

I am selling my 350z on ebay. Here is the listing number (4643077901)

sniff sniff