Thank you for your question, and thanks for using JustAnswer.com
The best bet of getting a loan will be to have your father co-sign on the loan
I would start with your local banks and credit unions first. Perhaps where you have your checking account.
Some used car lots also arrange for financing right through the dealership
The rate will depend on the term of the loan, how much, etc
and just to make sure, do I indicate at all that I have some form of income?
Yes, you will because you do
even though its not filed?
If you would rather not disclose your income, you don't have to - it's just that it's unlikely you will get a loan with no income, unless your father has enough income to sustain the paymnts
well I would prefer to disclose it. just would like clarity on the legality of me disclosing it even though I don't file with the IRS.
Well, legally you need to file a tax return if you are self employed and earn over a certain amount. I would suggest that you file your income taxes
I have to advise you to file your taxes
and, if you do have income you should include that on your loan application
I understand. I will this upcoming tax season but for now, what I make is unclaimed, so I will be clear to disclose that on the loan application?
Yes, because you do have that income. You should also file your tax return.
Is there anything else that I can assist you with today?
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I see you rated our service as bad, was there something in your question that I did not address?
I asked if you needed any additional assistance, and you said no...what additional assistance do you need?
I prefer to get further financial advice elsewhere.
If you would elaborate on what advice you need, I can assist you.
No, thank you.
If you are upset because I informed you that you need to file your tax return, this is a solid answer as you can go to jail for willfully failing to file your return. I'm trying to protect your best interests.
Please don't shoot the messenger. It's my job to inform you of the situation - I'm providing you with the information that is your legal obligation to file a tax return. I should not be penalized for informing you of that
Please stop nagging for an excellent rating. I'm not viewing this as penalizing you, I am simply rating my experience, since I was asked to do so. I have no more questions.
Okay. Have a great day.
You as well.
But you really need to file your tax returns
I said I will.