18k a year for 45 min drive? I would say absolutely. My wife and I both drove a hour one way each day for our jobs. My wife just recently took a closer job that is 40mins instead of a hour and 10mins. A 1 dollar a hour pay cut. Worth it in that sense. 9/hr? Hell no.

Well since cars are the only things I tend to borrow for, I’m ok with it then..lol I believe they pulled trans union for my last loan that was a month ago. Karma had me at 780. Their sheet showed 815..I’ll take it! Lol

I noticed the complete opposite. Credit karma had me at a 780 but when I bought a few new cars in the last year, when they ran my credit, it consistently came back with over 800. One was even 828 when karma was reporting 770.

I wouldn’t take any loan to pay the shortage. That’s effectively a 0% interest loan that they giving you by spreading the payments out over 12 months.