HELPING 18 YEAR OLD SUBSCRIBER GET APPROVED FOR AN AUTO LOAN

[@TheDeandrewoods2002]

I appreciate that you are transparently uploading these videos, some are going to be L's, but instead of thinking as a Loss, it's a lesson.

[@Uncle.Papi.1129]

Worst investment a 18 year old could make. Should’ve invested that down payment into the market instead.

[@q.b.3828]

WE LIVE IN A CAr dependent society tho

[@Topshopfernys]

Not the worst investment for me dummy I alr got bread down for a crib this is to help boost my credit cus I can afford it and I have 6k into investments alr

[@Daniel-jk9ge]

He could of got something cheaper tho

[@quaniereacts]

@@Topshopfernyshe ain’t a dummy, just ignorant. He doesn’t know you so he can’t speak for your situation. In general, it ain’t the worst or best investment. It’s subjective

[@tremelgibson9411]

@@Topshopfernysjust keep doing you g. Nobody knows your financial status💪

[@Serrrgg]

Chasing the maro at 18 with no credit history is gonna be tough. He’s already seen as a risk combining the young age and a coupe together.

[@jayy7712]

Fr insurance gon be crazy too

[@braidonericksen9]

All he gotta do is take $6-7K with his history he got rn and trust and believe WestLake and Santander gon approve that man🤣🤣🤣🤣

[@jayy7712]

@@braidonericksen9 yea with 20% apr😂

[@braidonericksen9]

@@jayy7712 yup

[@AyeTeedo]

@@braidonericksen9those them liability institutions 😂

[@PatrickdaStarr]

You solid for trying to help buddy out. But drop some gems for these young dudes to build their credit so they can make plays to bring in some money. He not ready for all that.

[@za7304]

He boutta be regretting it when that 20% interest hit

[@Fxjprichmore]

Valuable video ! Thankyou for recording this type of conversation and part of the process . Learn a lot !

[@Ed_313]

I'm 42 and here to see whats up.. Keep doing yo thang bro 💯

[@hoodrichcredit]

💯

[@DanielGomez-zm9gh]

18 years old, coupe, 30k loan, 3 month credit history. Hahahhahaha sit down brother

[@ohb7517]

Fr lmao

[@Topshopfernys]

You’re a bum show me a band

[@Marrk117]

Buy a cheap used car, don’t be in debt unless you can afford it. Self definitely works. Dealership be hating on you when you expose their bs.

[@Topshopfernys]

Yeah I got self Brodie and yes I can afford it

[@Marrk117]

@@Topshopfernys Alright you got this champ

[@dislikebutton4593]

“Helping” your subscriber go into debt is crazy

[@bigeric8334]

The only way you get a Camaro at 18 is if you’re in the military and it comes with a 20% apr 😂

[@KCorleone]

Cap 🧢

[@biizzlle]

@@KCorleonenot if you have a co-sign

[@KCorleone]

@@biizzlle i got my 2012 Camaro no co-signer at 19 for 18% with 500s credit score

[@biizzlle]

@@KCorleone how good was ur co-signers credit

[@KCorleone]

@@biizzlle no co signer

[@snozy4936]

I’m military so I’m lucky asl I ain’t gotta do that extra back door shii😂 just did a 20k pledge last week

[@bignic624]

Helping my subscriber get into life altering debt!

[@alexisserrano5158]

😂

[@q.b.3828]

car loans are normal

[@Topshopfernys]

Not when I can pay the car off in 2 months lmaooo get yo money up grown ass man KZbin not working for you

[@JoseOrtiz_1416]

@@q.b.3828there not , Americans have normalized it, smarter decision is buy cash and invest that 5-600 a month payment into the market or real estate

[@alexisserrano5158]

@@q.b.3828 No they are not. It’s better to be debt free.

[@suwoop8025]

Lol saying he will pass the people who graduated with him had me laughing. Bros gonna be paying a old camaro for 7 years

[@RandySoWavvy]

He’s not lying most of the people I seen who went to college were working at fast food spots, retail, or barely clearing 60-70k I skipped college and have a 6 figure career 🤷🏾

[@lookatmeyo]

relationship banking with the credir union is key

[@lyrictv8695]

There’s so many questions. What’s his job? How long he been there? Banks approve loans using money down as a collateral. Think of it this way, “he’s putting money down that he doesn’t want to lose. So he won’t miss a payment” You also need to learn about loan to value. If he’s a first time buyer he’s definitely not getting no 7%. Also, first time buyers the banks are VERY specific on the type of car. No more than 5 years old and no more than 60k miles. 3 months credit history, shit even a year of credit history ain’t gone help you. Get a co signer and someone that knows a little bit more big dog.

[@StillWoo]

Great Work Much Needed 🏆

[@Vampsuk_og]

My algorithm is crazy 😭😭

[@ohb7517]

My wife could get any 18 year old with fresh credit a 680-720 credit score in a month and a couple thousand in credit cards.

[@harknowhere]

I remember my first car when I was 19. 2017 dodge charger sxt red interior. Paid cash. No type of finance boy

[@HoochMakooter]

why are all these young people so interested in going into debt for a car that will be worthless in a few years? gonna have a rough future lmao.

[@mosthated8190]

US Bank gave me a pre approval offer online and supposedly it was a soft pull and it gave me a hard inquiry and was still denied. Capital One is where it’s at

[@Gd.up.n.soulja.d]

Wassam brah, stay on your grizzly big dawg 🐺 I been peepin you for a min...you focused .. stay like that!!!

[@IMCHRIS.G]

Keep going hard My boi.💯🚀💪🏽 No diddy

[@Louwilleats]

😂😂😂

[@hoodrichcredit]

💯

[@watchmo2310]

u ain’t funny cornball

[@reallydude6224]

if you can't afford to buy something twice, you probably can't really afford it at all.

[@thisisforonecomment]

Exactly. I’ll double down. If you can’t buy it twice and still have 6 months of rent paid- keep stacking

[@MrDmoney1984]

😂😂😂yea let me be an AU on my dads credit so I can get a car I can’t afford 😂😂😂

[@Uwolz]

These 18 year olds want to flex so bad without proving worth lol. What’s the point of working a warehouse job, living at home, and driving a 30k car. All to rev the engine in traffic. Dude isn’t saying anything new and just saying basic common sense stuff. Go get a regular car cash or money down and build your credit and cash.

[@Topshopfernys]

You’re a dumbass this car was 26k and why would I wanna flex a Camaro lmaooo this a regular car brodie I don’t need to put money down when I can get a auto low from a credit union why would I go to a dealer and use their finance and get fucked over on a Toyota that cost the same price be fr

[@Topshopfernys]

Don’t work a warehouse job buddy

[@Uwolz]

@@Topshopfernys you’d be surprise, if you ever drive by a low income apartment complex or warehouse. All you see is chargers, challengers, and benz.

[@thisisforonecomment]

@@Uwolzwell if you work a warehouse job, you can hurt your back, get some legit PK’s, sell them to your bum neighbors and buy a $3k mid 2000’s Benz and flex like the other dummy’s

[@MarksMan36050]

Need more videos like this bro

[@Deadloxrussell]

What could I do if I just bought a car and im a first time buyer, they gave me 25.5% interest

[@jedidiasobedgarciamedina4344]

Give it back to the dealer that’s a crazy interest rate 😱

[@Deadloxrussell]

@@jedidiasobedgarciamedina4344 but it’s a nice car, I’m going to give 1,000 a month so the interest doesn’t get to me, it’s 602 for 48 months. What you think hoodrich

[@Deadloxrussell]

@Shokumii I was buying cars off OfferUp that were always breaking down and that was money down the drain and I got tired of it. If you want a nice car you need to pay. I have a baby too so I need a safe car, I’m going to pay more then the minimum payment so Interest doesn’t matter.

[@mustangraf]

@@Deadloxrussell what car is it and how much was the total? 25 percent is insane

[@Deadloxrussell]

@@mustangraf total was 17k financed and it’s a Toyota Highlander

[@daniel.8426]

I negotiate and structure lease and finance automobile deals for consumers all the time. I always help the young people not get screwed at the dealerships. Alot of politics involved at dealerships.

[@ghouse23]

He gonna be car poor. Don’t forget about insurance, gas, tires, oil changes, all that.

[@od4407]

That’s what this whole channel is about, how to be car poor

[@juan39382]

@@od4407if you can’t buy a car cash you shouldn’t be buying it in the first place if your having to worry about becoming poor from a car your broke af😂

[@juan39382]

@@od4407you always commenting some hatin ahh sht go do some with yo self buddy😂

[@od4407]

@@juan39382 Lol cause this channel some goofy ahhhh shyt

[@od4407]

@@juan39382 Says the guy who wants to learn from this guy and get into payments while putting NOTHING down a very highly depreciating asset lmao…gtfo hoodrich ass boy…hellcat Americans man I tell ya

[@Sam-fq4hj]

Please tell us how to sell locked iPhone 15 ProMax’s with got with our CPs, these phones are worthless because we cannot unlock them. Unless we wanna scam ppl on the streets by selling locked phones…

[@ufotv8935]

You got no KZbin talking about u was taking the bus and I wanna hear that story

[@shelovespolo]

You might not come across this comment but I’m in process of buying a car, first time buyer* I have a 2 year 1 month credit history but I just got approved for a savor one card last week. What can I do ? I’m 21 by the way

[@ImSoLesss]

Stack your money. If you can’t buy it twice you shouldn’t buy it.

[@TheRealMrHighOffMusic]

Call me crazy but I don’t think he needs a Camaro, at 18 yrs old. Insurance alone wants $400+ a month just full coverage.

[@Topshopfernys]

You right I don’t need it but ima get it tho 400+ ain’t shi when you making money

[@mustangraf]

@@Topshopfernys how much you make🤑🤑👀

[@johnnyruiz6917]

@@Topshopfernysu not making nada

[@Topshopfernys]

@@johnnyruiz6917 fuck nigga I can show you 6k band rn

[@o0usf0o]

@@TopshopfernysI’m begging you… at 18 focus on building your self worth. Invest in education and financial literacy. Don’t fall for these poverty traps!

[@marcoibarra4570]

Can u go to ford dealership and see if the u can get a dark horse for 49,995 with 3 l whipper on top

[@marcoibarra4570]

I know u like hellcats charger damn it seem a like a still 5.0 with a 3 l whipple charger or a dark horse with a whipple

[@SoFilthy]

Can you make a video on how to get out of a upside down loan the best way

[@b566t3]

Bruh you crawl before you walk Get you a box /bubble caprice or a crown vic bulid yo credit You got a cap one card already in another 6 months get a credit one visa build you're credit first and save 25% down

[@stevensanchez7740]

😂ay you gotta do that navy fed backdoor shit for me ikk ima fuckupp no kapp tryna get this daytonaa 🔥klean as shit

[@RandySoWavvy]

This reminds me of me when I was 19 folks kept telling me it was gonna be impossible to get a Camaro I should just get a used old Toyota or Honda I didn’t stop I found a dealership that was willing to work with me and I got a white 2013 2LT RS Camaro and I loved that car couldn’t no one tell me anything in that car. Now fast forward to 27 yrs old with a 6th gen 2SS convertible performance package. It’s possible and doable if you really want something don’t let a no stop you 😎🫡

[@johnnelwhite]

Cop you a cheap car cash and stack your money. Put your money towards purchasing a home at a young age will set your future up for success.

[@cm4844]

I got a 552 credit score what do I need to do are add on their to bump it up so I can make fast plays

[@Reekostory]

lol there is no fast play hacks, pay off all ur debt and build your way back up... it's not going to be fast will definitely take time.

[@CorneliusMorris1000]

Hoodrich do you know where i can buy auto tradelines from legit ???

[@G90M5Kel]

People start an LLC and with whatever job you have, direct deposit your pay to your LLC bank account. They will look at that as income for the business. Get an ein and a duns and build business credit for a few month with net 30 accounts. Thank me after you do all this for 6 months when your approved for a business line of credit

[@RenataKolar-wy1qm]

They will have to pay taxes on that business income clown

[@G90M5Kel]

@@RenataKolar-wy1qm retard but you can go to chase and get a line of credit for 130k and then keep flipping and putting it back until your life changes

[@G90M5Kel]

@@RenataKolar-wy1qm but you control what you made and all you paid in expenses right. The bank only cares about what’s coming in when applying for lines of credit. Use chase they don’t ask for taxes. Only bank statements.

[@od4407]

@@G90M5Kelso….fraud?

[@Daylon_1]

worst invesment you could do at this age don't go into debt just invest it instead

[@Topshopfernys]

Alr have 4k in investments lmaooo been on that lil bro

[@Daylon_1]

@@Topshopfernys only 4k? Is this a joke?

[@Topshopfernys]

@@Daylon_1 what do you want me to have 50k ? I just started Lmaoo jsut how I’m starting my credit

[@Daylon_1]

@@Topshopfernys 50k would be better but if I was u I would still want more then that. U do want to retire right?

[@Topshopfernys]

@@Daylon_1 nah ofc brodie im not only gonna invest that much as time goes on im going to be putting more money into investing

[@jayy7712]

What job you recommend for a 18 year old? I just got approved for a 5k navy platinum nd got a discover secured and pledge loan for 6 months. Im tryna get something that pay 22 an hour

[@mindset9102]

How much he paid to link you and set this up

[@bankroll_k3beats832]

Whats the app you said? Pinflick ? Pinit?

[@maxheart1102]

Do you help with non matching information on all three credit reports?

[@TripleX_Perky]

I got 17 hard inquiries on my credit history shi fucked up my credit how can I fix it

[@angelespitia6825]

How are they hard you sure it’s not soft pulls

[@Elijahnineone]

Why is everyone so worried about getting a car they can't afford? This channel confuses me. Y'all should do follow ups in 2 years when they credit is shot from not making payments lmao

[@Topshopfernys]

I can buy the car cash in full but it’s stupid to do when I can finance it with credit smarter

[@od4407]

@@TopshopfernysBro stop…why would you put yourself in payments and pay any interest? Unless you are getting 0% there is no point. Take that cash and go invest it and MAKE interest not pay it. Whoever taught you what you just said, never listen to them again.

[@Topshopfernys]

@@od4407 bro you’re slow asf 😭 I’m trying to get a auto loan so my interest rate can be low and I wanna get in a payment cus I can afford it and I wanna build credit why won’t I wanna ride a whip I like that’s helping my future

[@od4407]

@@Topshopfernys You can build it without getting into a high asf payment with a hugely depreciating asset…there is NO true financial expert that will tell you to buy an expensive car on payments…if you have the cash buy yourself a regular guy, and go and buy some appreciating assets…worry about the long term not the now

[@RandySoWavvy]

@@Topshopfernys don’t give up I was literally you 8 yrs ago I got my 1st Camaro at 19 with 0 credit history put 3k down and she was mine

[@AlexAlex22023]

Like the hair extensions bro

[@Gd.up.n.soulja.d]

Aye Question!! I only have 1 thing on my credit report $1800 debt for old apartment. Should I pay them or is there something I can do thanks!!!!

[@RUTHLESSBANKERO89]

Do a identify theft say it wasn’t you there’s video on that shit shit works

[@Gd.up.n.soulja.d]

@@RUTHLESSBANKERO89 good look!!

[@OGBarry16]

@@RUTHLESSBANKERO89goofy😂

[@robertoramirez1069]

Great help people get into debt lol worse mistake ever

[@Topshopfernys]

Won’t get into debt cus I can pay the car off in 3 months goofy

[@thenegotiator5193]

Why not just pay cash then? If you got cash you don’t need not credit anyway

[@Topshopfernys]

@@thenegotiator5193 you’re stupid bro I can’t just buy a car or house or any assets without credit I won’t get approved I need credit so what do you do finance a car your able to afford if I have the full cash it just goes to waste ima pay full cash all that cash is going down right when the car gets out the lot if I use credit I’m building credit

[@od4407]

@@TopshopfernysThen why TF would you even run your credit just to pay it off in 3 months you absolute mooch…save for 3 months and keep inquiries off of your credit…you really thought you said something smart didn’t you

[@RandySoWavvy]

@@thenegotiator5193 lmao credit is king and definitely necessary

[@kyegrows]

18 years olds prob less 1 year of driving experience. Insurance he's paying at least 450 month with liability not even full coverage lmao. No credit history, no money no good job bro is gonna fuck him self lmao

[@jawkman101]

4:10 so you’re promoting fraud?😂

[@jawkman101]

@@ISLAMICSTORIES13 opening a bank account and when they ask if you’re in the military and you say yes when you’re not is fraud my friend. Just like if you go buy a gun and put on the forum you’re not a drug user then that is fraud and a felony.

[@od4407]

Wild stuff

[@00pium1]

Ain’t fraud bruh lmao

[@soylameraverga6068]

Even at 6 months is a thin file lol, high rate no matter what. Giving that kid false hopes and dreams for a low rate 😂

[@gabrielthegamerguy]

Bro wtf they did me so wrong first time buyer with a co signer for the income me for the credit they did me 30 percent wtf bro oh hell no in a shitty ass Nissan Sentra sv because they told me that’s all they can get me in

[@watchmo2310]

😢😂😂😂😢😢😂😂

[@johnnyruiz6917]

That’s what happens When your credit score is 400 🤣

[@RandySoWavvy]

Damn 30% is crazy double up on payments and after a yr refinance

[@OPTexas]

Insurance going get him too Camaro @ 18.

[@otablu685]

so this guy helps you with getting a loan?

[@otablu685]

not being rude, js a question

[@hoodrichcredit]

Yessir

[@KalebsLife]

What camera you use fam put me on

[@hoodrichcredit]

Zve 10 11mm Sony lense I uploaded the video wrong too this not even 4k quality it’s 1080 imagine if it got posted in 4k

[@KalebsLife]

@@hoodrichcredit hell yeah I fw the movement keep going 💯🔥

[@o0usf0o]

The only person who cares about your car is you. Camero is just another car on the road. Living debt free is true freedom

[@vqmpin]

damn i’m early

[@Malos.Beats.]

What's the backdoor method lol

[@za7304]

you get piped

[@XulTaiff]

How you get navy fed ?

[@gucciguy6971]

hood favorite

[@dvllon]

Do you sell AU?

[@Wizalicia]

Bro if you can help me get a car with no poi you will blow my mind. Just made my navy federal membership account 🎉 hmuuuuuuuuuu

[@JamesM0M]

This had to be so awkward to make lmfaooo

[@Topshopfernys]

Lmaooo how I’m his boy 😂

[@alex_rodriguez777]

5:11 lol

[@od4407]

You out here telling people to fake military service? About as scummy as you can get

[@JuanFelipe-op3gy]

😂🔥

[@Gft00]

W

[@kyco1122]

Goofs

[@JUANNNN93]

first

[@JUANNNN93]

fist no kizzy

[@jaxripper251]

Dude keep talking bout Navy Fed when Pentagon Fed da best

[@emperorscoop7416]

JESUS IS COMING SOON REPENT 🙏🏾✝️🦁🩸🩵🩵🩵

[@RichChigg]

Tradelines guys. Tradlines