Well, dang. I gotta get a loan.
We at Chez G have been living mostly within our means. This means that, when it was time to start looking at newer cars, we enjoyed the hilarity of driving up in our POS worn-out commuter cars, dressed in day-off grungy, and getting very little interest by the car salesmen. When we inquired about test-driving cars on lots, they then would reasonably ask to see our driver's licenses, and go "to make a photocopy." During that 10 minute photocopy, they also quickly checked our credit rating. All of a sudden, the car salesman would literally be jogging back up to us. Big smiles. Very friendly, as he suggested perhaps that we might prefer to look at this higher end model over here?
Break 800 on a credit rating, and that kind of thing happens. But there's a reason that we do all right in the credit rating, and it doesn't come from spending money that we don't have. In fact, we've not made a car payment in eight years, because that's when we paid off our newest car. We know that moving to a car payment is going to hurt.
We decided to buy yet another used car. My wife wanted a Subaru Outback. That was not incompatible with my own criteria for a car. Thus if she wanted it, I wanted it. We ended up finding a decent deal for and '06 Outback on eBay Motors. We bid on it, and won the auction.
Apparently, we then had to get them $2,000 within 24 hrs. Done.
Now, I've got to go get a car loan. This is basically a foregone conclusion that I'll get it. but I HATE applying for loans. I break out in hives at the word "lien."
So, here we go. Sigh. This is me, getting up.
And we're off.
To get a loan.
Oh look, is that coffee? Just one more cup.