Car Shopping, will spend up to 45k

[madbeetz]

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I have very good credit, so I am assuming low.

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How can you be 20 years old and have very good credit? Honest question. I was under the impression that no matter how perfect you keep everything, it was pretty much impossible to have "very good credit" at that age simply because you lack a significant time frame for credit companies to establish an accurate assessment. I got two credit cards in college to establish credit, paid everything off the month I accrued a balance, was never late, etc. etc., and, by the age of 22 (I'm 25 now) could only characterize my credit as "average," usually because of the short time frame mentioned above. So, how'd you manage to get "very good credit?"

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I guess I am assuming I have very good credit... Since I was 18, I have been buying everything with my credit card, and paying it back in full each and every month. I guess I assumed I would have good credit. I suppose I should have said I have flawless credit for a 20 yr old.

[geormiet]

If i was gonna spend 20-30k on a car I'd go with either a 2006 civic SI (awesome car) or a 3-4 year old g35 coupe.



EDIT:

Oops forgot you want to look like a baller. nix that one

[Hey_Porter]

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I have very good credit, so I am assuming low.

[/ QUOTE ]

How can you be 20 years old and have very good credit? Honest question. I was under the impression that no matter how perfect you keep everything, it was pretty much impossible to have "very good credit" at that age simply because you lack a significant time frame for credit companies to establish an accurate assessment. I got two credit cards in college to establish credit, paid everything off the month I accrued a balance, was never late, etc. etc., and, by the age of 22 (I'm 25 now) could only characterize my credit as "average," usually because of the short time frame mentioned above. So, how'd you manage to get "very good credit?"

[/ QUOTE ]

I guess I am assuming I have very good credit... Since I was 18, I have been buying everything with my credit card, and paying it back in full each and every month. I guess I assumed I would have good credit. I suppose I should have said I have flawless credit for a 20 yr old.

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I'd get a credit check, and a credit score. You probably do have good credit, but I doubt you'd have good enough credit to get a good APR on a $30k car loan. But it sounds like you backed off that idea, which is good. And that's coming from someone who really likes nice cars.

[madbeetz]

Any thoughts on the 2005 Pontiac GTO? Been doing some research and it seems like a sick car. 400 hp, 0-60 in like 4.5 seconds. It looks sporty, fairly classy. Best of all, can be had at about 20k with very few miles on it. Downside, it only gets ~20mpg gas wise, and insurance will probably go up. It got an award for consumers best buy or some [censored]. thoughts? anyone have one? anyone drive one? Hoping to drive one relatively soon. what can I expect?

[The Stranger]

[Maulik]

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Audi S4.

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you and durrr have the right idea. This or m3.