Let me paint the scene.
You walk into the dealership. You’ve been eyeing that car online for weeks. The salesperson comes over, all smiles, and asks how they can help. You confidently say:
“I just want to keep my monthly payment under $550.”
Boom. You’ve already lost. 💔
Most people don’t realize this, but that one sentence gives the dealership all the leverage. It signals that you’re not asking about interest rates, not questioning loan terms, and not focused on the actual value of the car. You're only concerned about the monthly illusion.
And guess who they pull this move on the most?
People with poor or average credit.
Because people with good credit? They walk in talking terms, not payments.
Let’s break this down…
💀 The typical trap:
Financing a 7-year-old car
With a 19.9% interest rate
On a 72 or 96-month term
For a car that’s depreciating faster than your loan balance
Sound familiar?
This is how people end up buried in debt, upside-down on a car, and feeling stuck — all because they didn’t understand how the game works.
Here’s what I always say:
👉🏽 It’s better to have good credit and not need it
than to need it and not have it.
If you’re thinking about buying a car — or making any major financial move — focus on your credit first. Not later. Not “after this one thing.” Now.
Because whether we like it or not, credit is power.
And if you don’t use it wisely, someone else will use it against you.
Ready to flip the script?
✨ Start building better credit today at www.CreditLady.info
You deserve better than predatory payments and financial stress.
Let’s get you in position to win — not just survive.
Monique Macklin
The Pink Power CEO™ 💖🦋
Disrupting Poverty, Rebuilding Power & Rewiring Mindsets
Helping You Make, Manage & Multiply Money
🌐 www.MoniqueMacklin.com | www.PinkPowerCEO.com | www.CreditLadyGems.com
📞 Toll-Free: 888-718-6818
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