Alright so my last post was about how I totaled my car like an idiot – so this one is going to be about how I got my new car and what a fricken disaster that was ….
Alright so like I said, I had been thinking about leasing a new car for the last few weeks so of course I had some cars in mind .. I looked at the dodge dart the day before my accident and was told they had a terrible leasing program so that was out. I really was thinking about the Honda Civic and the Chevy Cruze since they’re nice, safe, and reasonably priced.
So my parents have no idea about leasing cars but fortunately my boyfriend and his parents do. So literally 3 hours after my accident, Peter and I were out looking at car .. because I work two jobs and am in school, I needed a car ASAP and had off the following day before my 6-day work week started. So we started at Honda because Chevy had a deal on the Cruze so we figured we’d see what Honda had to offer first.
They started at $290 a month ($0 down) for the 2016 Honda Civic EX (which has the sunroof, the key-less automatic start, touch screen and digital display, et al.) and we got them down to $265 a month with $500 down. Then we went to Chevy and got offered $211 a month with $500 down but I test drove both cars and liked the Honda Civic much much better. So we go back to Honda and she’s like “what can I do to get you out of here with a Civic today?” We said $225 would be ideal and she met us at $235 a month. So I was very upfront and honest about my credit history and score, since I’m all on my own and wanted realistic numbers to compare, and they said “95% chance you’ll get approved, don’t worry about it, we’re going to get you this car.” So I filled out the credit app, but the $500 down as a deposit, and left with the intention of coming back in the morning and getting my beautiful new car.
WELL – we get there and they tell me I was denied. So of course (especially after the last day of emotions) I start hysterically crying because they told me I would be fine, even when I was honest. And I literally have no family member who could cosign so I was just crying and so sad.
Peter has an amazing credit score but I would never ever ask him to do that…because A. I don’t want to feel the rejection of him saying no and B. I don’t want to put that kind of pressure on him. A few years ago when I was first talking to him about it, his parents told him “Do not, 100% DO NOT cosign for her” because we hadn’t been dating that long and they worked hard to help get him where he’s at .. and I honestly don’t blame them for that because if it were my son I would’ve said the same thing .. so based on that I didn’t even want to ask him .. but when he left the room to call his dad the financing guy said if Peter did cosign, he would have to be on my insurance policy anyway so I knew that was out of the question then.
After sitting there trying to get it financed, and getting denied again, Peter asked what he would have to do. His parents gave their approval and as long as he was willing to make that commitment they said “we love her, so as long as you feel OK doing that – make her happy” and the finance guy felt so bad seeing me cry he was like “I’ll do anything I can to push it through where he doesn’t have to go on your insurance because if I have to see you cry one more time, I might start crying.” which was nice..especially cuz I’m pretty sure I was ugly crying at that point…
SO HE DID IT AND I GOT MY CAR AND IT WAS THE MOST EXCITING DAY EVER
I seriously never thought I’d be driving a brand new car … at least not now. I worked really hard to save money and work really hard every day so it was so rewarding that it finally paid off. My beautiful black 2016 Honda Civic EX is f*cking AMAZING and I love it. Just seeing it still is like “OMG I can’t believe that’s MY car.” So cool.
So super huge shout out to my amazing boyfriend for saving the day. I love him and the fact that he was willing to do that says A LOT and I couldn’t be happier
Still hate work though.