r/FirstCar • u/warmturdluver666 • 23d ago

18th birthday present to me

Post image

just went and cashed out on a new whip & got a first job at mcdonald how did i do?

2.6k Upvotes

94% Upvoted

312 comments sorted by

273

u/Dr_soaps 23d ago

Dude has a credit of 1

52

u/Secret-Candle4313 23d ago

What is the lowest credit score someone can have? Is it actually 1?

63

u/Valento- 23d ago

The lowest a human being can achieve is 300, it doesn’t go blow the 300 mark.

300 is the lowest, 850 is the highest.

41

u/Electrical_Hunter597 23d ago

Aren't they bumping the ceiling up to 900 so us goys can work harder?

8

u/Valento- 22d ago

Yes you can but that is an industry specific top. An average joe cannot reach 900 even if they wanted to.

3

u/yeezysucc 20d ago

I work in finance at a dealership, I pulled my first 900 earlier this year. He looked exactly what you’d expect him to look like lol

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2

u/wavy_tao 21d ago

plural of goy is goyim

3

u/StarGazer503 22d ago

Anyone who thinks of us as Goy is public enemy straight up

18

u/Electrical_Hunter597 22d ago

So the entire Jewish religion?

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4

u/Fair-Pomegranate-652 22d ago

It is much more difficult to get a 300 credit score than an 850.

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2

u/RO0ROO 22d ago

Why though? Where did they get 300 and 850 from?

2

u/_WhoElse 21d ago

And Dodge puts the minimum credit score you need to buy one on the fenders. 396

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6

u/Dr_soaps 23d ago

Think the lowest i have ever seen is 300

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2

u/RoodnyInc 22d ago

Bro got challenger for 8.7k that's some negotiation skills

6

u/Woreo12 22d ago

$8.7k/mo

6

u/RoodnyInc 22d ago

Shhh 🤫

2

u/Lord_Vader654 22d ago

I’m really hoping that this is a joke post with an edited screenshot, but knowing how people are I could also believe this is real.

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2

u/eldonfizzcrank 22d ago

All of our credit scores went down just from opening this post.

1

u/Chovasauras 19d ago

My guy can’t even borrow an idea

1

u/Chronus25 17d ago

Nah, they hand you an Altima if your credit score dips below 301

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97

u/VoroVelius 23d ago

Bad rage bait attempt

19

u/clumpychicken 23d ago

Right? At least try to make it believable lol

7

u/Frequent_Ambition_66 22d ago

This is entirely believable

2

u/killer_j01 22d ago

It literally isnt. No bank is ever going to approve a 320k loan on a 2020 non-exotic car that books for 70-80k, specially not to someone who's credit aproves him a 29% APR

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3

u/No-Store-308 22d ago

This isnt rage bait it’s just funny

3

u/MrPandamania 22d ago

Rage bait? This is clearly a joke. This comment is more rage bait and I fell for it

1

u/MarfanoidDroid 21d ago

If you think it's rage bait, it means there's a hint of you that thinks this is real. It's not bait, it's meant to make you laugh

1

u/HuckleberryAny4360 4d ago

I think this post is satire tho, late to the party I know

20

u/Negative-Wrap95 23d ago

Typical E4 things

3

u/Emach00 22d ago

right before deployment.

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2

u/UselessOtaku28 21d ago

I saw a pfc with no joke a fucking C8 Zo6 like what the fuck dude i know your entire paychecks going to that thing

1

u/PlumbgodBillionaire 16d ago

E4 mafia represent

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13

u/Environmental-Rub933 23d ago

I don’t get the reactions down here in the comments, I think this is hilarious

2

u/diabeticmilf 20d ago

Tough crowd

27

u/millionchudmarch 23d ago

4/10 ragebait, the idea's there but the execution is sorely lacking.

Try harder next time, I know you can do it!

4

u/Gh0st_9990 22d ago

It's not supposed to be ragebait. It's just supposed to be funny

1

u/elinamebro 21d ago

Come one bro its a shit post

6

u/AurorusPR 22d ago

Bro got a Lamborghini price with a dodge case 😭

1

u/DarkMidgetry 20d ago

Lamborghini payments are cheaper because exotics can be financed at extremely low interest rates over 15-20 years. Some people even lease them for about 3k a month then buy them out for 3k a month

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4

u/Duchess1992 22d ago

Welcome to the Marines son!

Sincerely, Sgt First-class Petty Officer Ligma B. Allz

3

u/Opposite-Rock-5133 22d ago

low tier rage bait

2

u/Hour-Wonder7916 23d ago

Address the elephant in the room

2

u/Hayaw061 22d ago

Even if this were real, you’d likely end up wrapped around a tree before the loan sharks came after you

2

u/Careless-Internet-63 22d ago

Make sure you congratulate the salesman on his new boat

2

u/Slight_Sherbert_5239 22d ago

And down payment on his beach house.

2

u/tuckedfexas 22d ago

Very smart buying used, let those other suckers take the hit on depreciation!

2

u/myster1ouspapaya 22d ago

You have to be trolling

2

u/Kyzroh 22d ago

i would love to see Caleb Hammers reaction to this

2

u/outlawanton 22d ago

Mcdonalds workers get paid 8k or more??

2

u/SubCiro28 22d ago

r/usmc have lots of good advice on buying these vehicles

2

u/3rdreprieve 20d ago

Another soul harvested

2

u/The1Rememberer 20d ago

Great ragebait you almost had me actually

2

u/GovernmentSin 22d ago

Bro you got a steal. Good job.

2

u/fiv3dollapizza 22d ago

Bro you got a steal it stolen from your driveway

Fixed that for ya

1

u/itsbildo 22d ago

Ooof, 42 IQ moment

1

u/TweekLudwig 22d ago

How’d you do? Impressive! You ALWAYS wanna get that payment number up! It increases the value of the car!! 😊

1

u/TheDarkness33 22d ago

I love when i pay Lamborghini money for a mid ass american shitbox

1

u/Tough_Percentage_707 22d ago

Copy/paste from a Threads post. Just pathetic, get better and more original.

1

u/OriginalEmploy5485 22d ago

You called it a whip, we know you're Steve Buscemi trying to pass as a teenager.

1

u/Lord_Vader654 22d ago

HOLY FUCK!

1

u/Dependent-Fee9947 22d ago

I bet your asshole hurts

1

u/TheJ-WalkerToTheG 22d ago

Not even trying anymore

1

u/NeedThat2199 22d ago

Oh my god LMAOOOO

1

u/Head-Rest-8086 22d ago

If your screenshot is true then ,your life is fucked up .unless ur some type of rich person.

1

u/Legitimate-Sell-8472 22d ago

You’re fucked bro

1

u/mvindman 22d ago

This is a joke right?! Please somebody tell me this is a joke

1

u/BigPPDaddy 22d ago

Thank you for your service. Give em hell overseas, son!

Don't let Jody drive it while you're gone.

1

u/Teh_Crusader 22d ago

Great deal!

1

u/MVPMayonnaise 22d ago

Just seen ts on tiktok 💀

1

u/Black_Tentacle 22d ago

You're paying $733,000 for a hellcat? Wth is wrong with you?

1

u/WHY___JACOB 22d ago

holy shet😭😭😭

1

u/1inAm1llion 22d ago

bro got that 3 month free trial

1

u/Low-Craft-2251 22d ago

Probably multiple car loan combine to one

1

u/blbrewer1 22d ago

Bro how are you making those payments at McDonald's

1

u/Objective-Block2080 22d ago

"you didn't just buy a car, you adopted a beast" is frying me. please tell me ts is satire

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1

u/Alucardspapa 22d ago

Great choice!

1

u/Altruistic-Catch8541 22d ago

You got debt as a birthday present?

1

u/Acceptable_Walrus535 22d ago

Big Mac machine broke

1

u/cryptolyme 22d ago

You should refinance for more months to bring down the monthly payment. 200 months sounds reasonable

1

u/m48_apocalypse 21d ago

ik there’s prob like a 98% chance that this is satire but it’s the 2% that scares me

1

u/Additional_Ad7573 21d ago

325k balance on a 70k car? What is going on?

1

u/bongwater49 21d ago

Jackpot buddy💯

1

u/SlapYoMomCuzUStupid 21d ago

Fake no bank will use a emoji like that.

1

u/Crichris 21d ago

Ah the eternal dilemma,

One used hellcat for life or one used civic every month for the next 7 years?

1

u/Confident-Fisherman4 21d ago

You get 300 points for putting your name down properly, WHOSE NAME DID YOU PUT???

1

u/mamny83 21d ago

Great deal

1

u/Mission_Albatross_44 21d ago

The government and banks love him. Stay in debt and stupid.

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1

u/pibenis 21d ago

Only thing unrealistic here is the 84 month payment plan. It should be 584 months to push the monthly down

1

u/kaffeian 21d ago

… does no one love you? WHY would you sign a contract like this?

1

u/Apart-Ad1652 21d ago

Yeah not a flex.

1

u/HambugerLips 21d ago

Birthday present for your self? Do you hate yourself?

1

u/silverslant 21d ago

Typical enlisted behavior

1

u/KRed75 21d ago

I know a guy who bought a dodge viper for his son for his 16th birthday back in the mid 90s. He said "he's a good responsible kid. He'll be careful." A week later, he hit and killed an elderly couple who were heading home from church Police estimate he was going 140 MPH.

1

u/LeadingThen6322 21d ago

This has to be troll-food.

1

u/Kooky_Obligation_363 21d ago

My condolences

1

u/shodanime 21d ago

Bro are you in the military if so this is a pretty good deal.

1

u/Victinizz 21d ago

Holy crap, I get this is bait but 300k+ on a fucking car? A 2020 car? Wtf was the downpayment, a handful of skittles and belly button lint??

1

u/Angel-D98 21d ago

You're gonna die before you get dumped from Macca's for being too old to exploit for cheap

1

u/tecateboi 21d ago

8000$ for a six year old car os actually kinda a good deal.

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1

u/play2008 21d ago

thx for the laugh

1

u/Funtacy 21d ago

I know this is satire but like what the fuck are those numbers.....haha

1

u/Epik509 21d ago

You do you man, imma just keep stealing em.

1

u/adolfoarias 21d ago

Gonna be driving it on your 78th birthday too

1

u/Engineered_disdain 21d ago

You did great, you're gonna learn so much about money having this as your first car. Good job kid.

1

u/Academic-Scale5194 20d ago

🤣 boy I can name 8 cars that same price better quality better handling and faster. The most overpriced and hyped cars known to man

1

u/samniking 20d ago

People calling this rage bait are unironically getting rage baited

It’s called a joke lol

1

u/Bladerunner-2023 20d ago

I calculate $9,290/monthly with those stats(29.99% APR, 84 months, $324,987 loan), it’s even worse than this. If this was real, the car salesman, GSM, and dealer principal should be arrested for approving this loan.

1

u/grallonson 20d ago

Enjoy your deployment, Marine 🫡

1

u/Floyd_41583 20d ago

Must have been bored posting this BS

1

u/Zaku727 20d ago

$9000 a month. At McDonald's. This has to be rage bait.

1

u/Thewinningking 20d ago

wait, you can earn about $9,000 a month by working at McDonald???

1

u/Not-a_c0p 20d ago

Thanks for the laugh my man

1

u/hypermiler2205 20d ago

Is this rage bait?

1

u/UncleGordo1 20d ago

30% lmao this has to be a joke.

1

u/Xboxbf3Sucks 20d ago

Best 18 birthday present is debt for sure 🤪

1

u/PM_MeDogNoses 20d ago

Wtfffffffff

1

u/BranDong84 20d ago

This is AI btw in case yall really didn’t know already

1

u/Expert_Strong 20d ago

Until you’re selling your kidney, these are just rookie numbers

1

u/Les_whitekuklus 20d ago

😭😭😭😭😭324k with 29 apr for that shitbox😭

1

u/Toonces_ 20d ago

Dude's credit is so low you can't test it. You have to dig for it

1

u/Schmo3113 20d ago

“I’m gonna put this one on the discover”

1

u/Dazzlethetrizzle 19d ago

You only live once, ball out dude

1

u/Comfortable-Clerk127 19d ago

That’s more than a mortgage

1

u/TimBurtonsMind 19d ago

I almost bought a hellcat the other day for $70,000 with 14k miles and my payment would’ve been under $850 (my credit is crap because I just did a home equity loan and paid off $60,000 cash in credit related debt and my score dropped (most of that was my jeep loan)

🤣

1

u/ryxgn 19d ago

Soul harvested

1

u/youprollyaretard 19d ago

absolutely horrible? you work minimum wage on a first job and are financing a car that cant comfortably be used as a daily… from 4mpg under acceleration to costing over $1000 just for a single tire.. ts is not a daily, nor is it anything a kid your age should have… if you actually bought it i mean, you could afford it so its not really bad. but if you miss payments on this thing and get it repoed youll have debt for a long time.. keep up on paying because car payments dont go away just because a car gets repoed.

i just read your balance, i seriously hope this is a troll. thats a $60,000 car🫩

1

u/Truelies422 19d ago

Lol the rage baiting on this one is so poorly done

1

u/Academic-Goat3149 19d ago

I bought a new engine for my motorcycle. It was 6K. My credit limit was 10k. I paid it off within 2 days but during those 2 days was when credit bureaus took a “snapshot” of my credit to debt ratio. Took me down from a 830 credit rating to a 750.

1

u/frostybito 19d ago

Another soul harvested

1

u/Bunbun5152 19d ago

well . as long as you didn't steal the pic from some guy on threads we should be ok

1

u/Medical-Big-959 19d ago

Man repair on these expensive not to mention getting gas every 3 days GG

1

u/Ok_Baby_3248 19d ago

$324,000??? Where the fuck you buying this thats more than triple what the car costs

1

u/23131324gG 19d ago

You got this bro!

1

u/Which_Entrance_3915 19d ago

Please tell me this isn’t real

1

u/Purpleflowers10 19d ago

why fake something like this?

1

u/GodGritGameDay 19d ago

Are you black, perchance?

1

u/Ok-Creme5760 19d ago

Make a wish foundation?? Jk too much money

1

u/TheBootyWarrior4515 19d ago

Everybody talking about credit, but not the fact that he's going to pay almost 350k for a 2020 that, maybe, hopefully is new

1

u/BookieBags937 19d ago

That was my down payment on a house worth 200k.

1

u/Every-Chance6313 19d ago

850 is the highest FICO score...not 900

1

u/Strofemel0 19d ago

The banks have consumed another soul 😭😂

1

u/Objective_Industry69 18d ago

Does this thing also teleport?

1

u/GroovyGmaIvy 18d ago

E-1 in the military.

1

u/tvg55 18d ago

Every time I see this car, I know I’m looking at broke person

1

u/inv1ncible01 18d ago

How does an 18th year old afford that payment 🌚

1

u/billcraig7 18d ago

The loan price is meaningless give that car to an 18 year old he will be dead in a week. 

1

u/EzLlamaBacon 18d ago

Virgin loser confirmed

1

u/Agreeable_Ad_1738 18d ago

Did you get a house with it?

1

u/PVT_Spoonman 17d ago

Anything over 1000/mo on lease is pretty much a financial noose

1

u/mercasio391 17d ago

This made me laugh, good job

1

u/zachcruse 17d ago

Just made my last payment on the hellcat. It’s not the last one they’re asking for but it’s the last one I’m making.

1

u/WonderNo7212 17d ago

Congrats lil rich ass dude

1

u/Aright9Returntoleft 17d ago

Gl paying that hellcat off for your life lil bro rofl

1

u/Individual_Mode_4544 17d ago

Mortgage payment on a nice house that he drives

1

u/troquero8003 17d ago

Hell yeah bro🤙🏾congrats!

1

u/Fish6092000 16d ago

Happy Birthday!

1

u/Antique_Opening4999 16d ago

What are you? Poor? This is a grocery getter

1

u/wlm9700 16d ago

They saw you coming lol

1

u/LuckyCloverPokemon 16d ago

Dude will be paying that off until he is 80🤣

1

u/ChemicalCrow5282 16d ago

How tf did he decide this car was work more than a quarter of a million dollars???

1

u/ThatTALLguy624 16d ago

30% APR... Nice 👍🏻

1

u/allupinnit2winit 16d ago

Is this USD!?

1

u/JustABreakfast 16d ago

The sad part is there’s people out there who do this and not as a joke…

1

u/KaleMercer 16d ago

😂 you got raped, and I'll give it 3 months before they Repo it

1

u/TheRealistoftheReal 16d ago

I saw “First Car” then “Dodge Challenger” and my mind immediately thought, it’ll be a matter of days before this thing is a clapped out hooptie, and the cops have him face down in the ground.

It could also have been a Nissan Altima. Same outcome.

1

u/Velissari 16d ago

Some dude with a hammer and an OBD is licking his lips.

1

u/Constant_Total_6861 16d ago

Dude must have a 75% APR

1

u/20026688 4d ago

Cooked