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Paying for something with a credit card

JokermanJokerman Lord Paramount of the NeckbeardsRegistered User regular
in Help / Advice Forum
So is there any way outside of getting someone to set up a paypal acount to pay for a privately sold good with a credit card? I'm trying to buy a motorcycle off of a private listing and I need to put it on a credit card, but the gentleman doesn't have a paypal account.

Jokerman on
SS Wish-list :: Last.FM :: Last.FM PA Group :: Books :: Podcast :: Steam
• Agree Awesome

Posts

  • illigillig Registered User regular
    cash advance through your credit card - it has a pretty hefty APR, however

    • Agree Awesome
  • JokermanJokerman Lord Paramount of the Neckbeards Registered User regular
    So I'm pretty much boned unless i take out a cash advance?

    SS Wish-list :: Last.FM :: Last.FM PA Group :: Books :: Podcast :: Steam
    • Agree Awesome
  • Bionic MonkeyBionic Monkey Registered User, ClubPA
    I would definitely not pay for that with cash. Just tell him to make a goddamned paypal account.

    sig_megas_armed.jpg
    • Agree Awesome
  • mcdermottmcdermott Registered User regular
    Bionic Monkey wrote: »
    I would definitely not pay for that with cash. Just tell him to make a goddamned paypal account.

    I can totally understand not wanting to do a purchase (or rather sale) like that through Paypal. No way you can get a private loan? Not payday-style, mind you, but through a bank or minor lender?

    • Agree Awesome
  • MushroomStickMushroomStick Registered User regular
    If I were selling the bike, there's no way you could convince me to accept paypal for it. Look into getting a loan for it. You should be able to get a better apr than you'd get on a credit card.

    • Agree Awesome
  • DeebaserDeebaser Way out in the water See it swimmin'?Registered User regular
    Go to your bank and get an auto loan. Eating paypal fees on top of your credit card interest is probably a terrible idea.

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    • Agree Awesome
  • ScooterScooter Registered User regular
    If it's more expensive than you can cover with a check, you prrooooobably don't want to be charging it to a credit card in any case.

    • Agree Awesome
  • dispatch.odispatch.o Registered User regular
    Depending on your bank you may be able to open a small line of credit that will allow you to transfer cash directly to your checking account at reasonable rates, instead of omg wtf credit card rates. I'm with US Bank and have a credit line of around 4600$ that I use as overdraft protection or as a way to purchase things where a credit card isn't an acceptable way to do so. Just transfer funds from my credit line to my checking account and it's done.

    You need to be very careful though, you can't just do that with any sort of overdraft protection and not get molested with fees. I think mine's officially called a "reserve line account".

    Edit: This may not help you, thinking about it. You can apply online though through your banks website I'm sure, depending on credit they may decline you and/or not give you access to enough money.

    http://www.usbank.com/cgi_w/cfm/personal/products_and_services/checking/odp_ps.cfm

    Is what I have, it's got a high interest rate of course, but if you're just going to pay it off (which I always do) it doesn't matter.

    • Agree Awesome
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