u/Hyperfixations-R-Us

I’m in the market for a more reliable vehicle and want to work with someone who’s ethical and can help me navigate what my best options are.

For context: I make 135k a year and live very small with few bills (rent includes utilities and my current car is fully paid for). However, I have terrible credit. I got in a lot of debt during the pandemic but am on a payment plan. I have been consistently paying off creditors to work my way out, with the exception of 8 months last year where I was unemployed and had to stop payments.

I have no interest in buying new, and am also open to leasing a vehicle. It really just depends on what my options are. Bonus points if taking on a monthly payment will help me build my credit back up.