What's the scam here?

[NissanFanBoy]

Posted car on Kijiji, this is a response I get, is it a scam or is the person just really naive to think some people out there would agree to this? I just told "her" I wasn't a bank.

"Hey there, my name is Michaela. I came across this Nissan. Very interested. I wanted to ask you something, are you wanting 6800$ cash or would you be willing to finance it and then I pay you bi weekly or monthly. ?"

[eblend]

Scam is you give them the car and never see a payment from them after.

Tell em to get a loan from a bank, or just ignore them since it's obviously a scam.

[ExtraSlow]

Not a scam per se, but yeah, why the fuck would you offer payment terms to someone?

[MR2-3SGTE]

Could just be a kid. I once got a message from a 15 yr old kid asking if he can make payments on the car

[Disoblige]

It's not uncommon for people to ask this question. They don't think private sales on Kijiji are too different than buying from a dealership. Next thing you know, they'll encounter a problem and ask you to fix it or if they can return the car since it's a lemon. Then they'll stop making payments and you're screwed.

I would never consider this unless they gave me something worth way more as collateral. Maybe like a watch worth over 10k or something and we sign a contract.

[botox]

Could just be a kid. I once got a message from a 15 yr old kid asking if he can make payments on the car

I've been asked this as well by a younger kid looking for his first car. It was a innocent question that he just didn't know, no harm it in. He did end up buying the car with a loan from his parents. Personally I wouldn't do this for anyone, not even family.

[NissanFanBoy]

I suppose, hmmm, maybe I shouldn't been nicer and told her sorry but if she comes up with cash she's more than welcome to come look and I'm flexible on price... Thanks for the input.

[Mitsu3000gt]

Guaranteed that's a scam, and you would only see the first payment. Also anyone who has to finance a $6000 car is probably not going to be reliable for payments anyway. Let them get financing through their own means and pay you in full, you are not a bank and trust me you don't want to be the bank, especially in this scenario where you would lose everything.

[revelations]

I dont think thats an outright scam, just an uninformed millennial.

Scammers would tell you that youre AMVIC or PAYPAL protected. :burnout:

[My_name_is_Rob]

Unless they want to make the payments, and then once they are all squared up, they get the vehicle at the end. I just recently heard of this happening.

[Mitsu3000gt]

I dont think thats an outright scam, just an uninformed millennial.

Scammers would tell you that youre AMVIC or PAYPAL protected. :burnout:

Scam or not, you wouldn't even make it to the second payment before you started to get texts like "sorry, little late this month" or "Hey can I pay you double next month, something came up..." then probably complete silence a few months later haha.

[BokCh0y]

They can finance via the bank rather than through you. Full payment to you or nothing, period.

[revelations]

Scam or not, you wouldn't even make it to the second payment before you started to get texts like "sorry, little late this month" or "Hey can I pay you double next month, something came up..." then probably complete silence a few months later haha.

Yea those are just opportunistic assholes - by actual scammers I mean those who troll Kijiji for things like this intentionally on a regular basis.

[NissanFanBoy]

Oh don't get me wrong, I would never agree to this for a stranger, I'm just really wondering why someone would even suggest it to a stranger... But I guess there are actually trusting people out there that would agree to it.

[J-hop]

... Also anyone who has to finance a $6000 car is probably not going to be reliable for payments anyway....

Truer words

[shakalaka]

Ya have had this offered to me for my bikes every now and then and I just reply with a polite no. Unless like someone suggested, I hold on to the vehicle and Bill of Sale until all payments are made.

[Xtrema]

Posted car on Kijiji, this is a response I get, is it a scam or is the person just really naive to think some people out there would agree to this? I just told "her" I wasn't a bank.

"Hey there, my name is Michaela. I came across this Nissan. Very interested. I wanted to ask you something, are you wanting 6800$ cash or would you be willing to finance it and then I pay you bi weekly or monthly. ?"

Sure I will lend you money.

18%/yr over 3 years.

$6800 down + $100/mth for 36 months.

Heck since I like you, I would even give you a deal and do $6500 down and $50 bi weekly.

[Xtrema]

https://jalopnik.com/never-ever-agree-to-let-someone-make-payments-when-they-1822329750

Hmm, apparently phishing bots are the one proposing monthly payments.