Can I do this legally?

[Mrfrog840]

ok so i need a loan now
3000 bones. Im only 17. My parents would give me the finger if i asked for them to cosign. I have a checking account that i opened at bank of america, they were like you have to be 18, then like the bank manager pulled me aside and was like well ill open it for ya but shhh shhh dont tell anyone your not 18. She filled out the paperwork for me and i was set to go. Had my checking card and check book. Now if i went in there and talked to someone, would they assume that i am 18? since i have a checking account. Its not under my parents name at all. Anyone know if this is possible to get a loan without a cosign?

 

[FrustratedUser]

I think you're pretty much screwed.

 

[pillage2001]

Can you not wait till 18?? Why 3k bones??

 

[deftron]

They're gonna worry more about your credit (which is probably none)

than your age.


I doubt if you can get a loan

 

[brxndxn]

You'll have a hell of a time getting any form of credit before you're 18.

Best you can do is try to have a good steady job and go in with that. But, it's nearly impossible to get a loan without someone over 18 and with decent credit to cosign for it.

 

[eakers]

i like how you said 3000 bones


goodluck

 

[Ryan]

They'll probably still ask you for a cosigner since you probably don't have any credit, that's what they did to me - so I just had my mother take out the loan for my car. Even if you do get approved for the loan, interest rates are going to kill you.

 

[d33pt]

even better..if you get a loan you dont have to pay it back because you signed the contract when you were under 18..

 

[Mrfrog840]

Originally posted by: eakers
i like how you said 3000 bones


goodluck

thanks eakers

3000 for a car. heh i doubt ill come up with the money fast enough unless i get a loan. No one wants to buy my professioanl studio speakers

Oh well. ill go into there tomorrow and post part 2. Im like 25% thinking i MIGHT get it.

 

[Mrfrog840]

Originally posted by: d33pt
even better..if you get a loan you dont have to pay it back because you signed the contract when you were under 18..

ahhh thatd be harsh dont ya think?

 

[Darein]

I wish you the best of luck, I think you're going to need a lot.

 

[Mill]

Originally posted by: d33pt
even better..if you get a loan you dont have to pay it back because you signed the contract when you were under 18..

He doesn't unless he knowingly defrauded them. Which in this case he would know that and would be liable.

 

[Ylen13]

Originally posted by: d33pt
even better..if you get a loan you dont have to pay it back because you signed the contract when you were under 18..

carefull their, they could say that he lied to the bank about being under 18.Also some other laws he will breaking don't remmber them now.

 

[Lithium381]

so why $3k?

 

[Mrfrog840]

spent all my money elsewhere, and i need another car. 93 RX-7

 

[BatmanNate]

My first loan I actually cosigned for my parents, so I got the good interest rate and the credit after I paid it off.

 

[Grasshopper27]

Originally posted by: eakers
i like how you said 3000 bones

goodluck

Mmm... Eakers... Bones... 3000 of them...

/me needs new hobby...

LOL!

*hugs Eakers*

Hopper

 

[Ryan]

Originally posted by: Mrfrog840
spent all my money elsewhere, and i need another car. 93 RX-7

Now, do you really "need" this car or do you just "want" it?

 

[Mrfrog840]

need. it for my job. We have only have 3 cars. moms, dads, and sister. sister is in college for most of the year.

 

[ReiAyanami]

the only way ur gonna walk out with $3000 is if u rob the bank.

but if u rob the bank u'll goto jail. but when u get out of jail u'll be well over 18!

 

[Aquaman]

Originally posted by: eakers
i like how you said 3000 bones


goodluck

Ah.......... bones............ I thought it said boner

Cheers,
Aquaman

 

[Mrfrog840]

Originally posted by: Aquaman

Originally posted by: eakers
i like how you said 3000 bones


goodluck

Ah.......... bones............ I thought it said boner

Cheers,
Aquaman

LMAO

 

[Grasshopper27]

Originally posted by: Aquaman

Ah.......... bones............ I thought it said boner

Cheers,
Aquaman

I know it didn't, but I kinda don't care...

Eakers will of course kick my butt, but I don't mind that either.

Hopper

 

[Nocturnal]

You aren't going to get a $3000.00 loan just because you have a checking account at the bank. You need to have some kind of credit history which would be a credit card, a mobile phone, utility bills all under your name stating that youve been paying on time and in good standards. Otherwise YOU'RE SOL without a co-signer.

 

[Darein]

Yeah, robbing the bank probably isn't a good idea.