Latest news with #RussFlipsWhips
Daily Mail
3 days ago
- Automotive
- Daily Mail
Car salesman reveals how to buy an automobile if you have ZERO credit score
A car salesman has revealed how you can buy a car even if you don't have a credit score. Russell Richardson, known as RussFlipsWhips on social media, is a salesman at Biondi Motor Company Inc. - a Lincoln dealer in Monroeville, Pennsylvania. He often posts advice for people looking to purchase new vehicles on his TikTok account, which has over 773,400 followers. In his latest viral video, the expert shared tips for customers to get approved for a automobile at a dealership even if they don't have good credit. 'First things first, if you have enough time, get a prepaid credit card,' he suggested in his video. 'This is the type of credit card where you can pre-load money onto it. You're going to use that every month for gas and groceries, and you're going to pay it off every month. 'In just six months, you will have credit built up.' For those who need to buy a car 'right now' and don't have six months to build up their credit, he said you can get approved by offering a huge down payment. 'First things first, you need to have money down. You've got to put skin in the game, or nobody's approve you with zero credit, because you have zero history of ever paying anybody back, so you need to bring some cash to the table,' he continued. He said that '20 percent down' is the ideal number. 'If you can't get that number, it's going to be a little bit tougher to get approved, it's not impossible, but the more you put down, the more likely you are to get approved,' Russell explained. According to the car salesman, being approved without credit has a lot to do with your job. 'You need to make sure you've been working at the same job for at least six months, ideally a year,' he detailed. 'If you've been working at your job for one month and you have no money down, you are not going to get approved. 'It's very unlikely. I'm not saying these things are impossible, but it's very tough to have that happen. Russell's last tip was about the type of car to search for. 'You're going to want to look at something that is well within your means,' he told viewers. 'Don't try to stretch out the biggest car payment you can get, try to get the smallest car payment you can get. 'You want to look at a car that is newer. It's 2025 right now, if you can afford a brand new Toyota Camry or Honda Civic, go buy something like that that is well within your means. 'If it's not [within your means], look at something that's four years [old] or newer - so 2021 or newer - with relatively low mileage and you'll have a really good chance at getting approved.' Many users rushed to the comment section to thank Russell for his advice. 'Solid advice,' one user wrote.
Perth Now
7 days ago
- Entertainment
- Perth Now
‘I was blown away': American tourist rips Australia
An American tourist has left a scathing review of Australia on Tiktok following his visit to the land down under. Russell Richardson, known online as RussFlipsWhips, has a large following on TikTok with his social media page garnering 773,000 followers for his content around car dealerships. During his stay in the lucky country, the content creator posted various videos surrounding the cars of Australia and how they differ to the States. He then uploaded a rant about the three things he loved and hated during his stay in Australia, with his biggest issue with the country centred around politics. 'Believe it or not there was a group of men that I met in every part of the country, 55 to 70 years old, that would recognise my accent, come up and ask if I'm American... then they would go on this rant about how terrible America is,' he said. 'How terrible (Donald) Trump is, and how terrible our politics are and how our country's just gone to crap and I probably hate where I live. 'I was really blown away that this happened to me on multiple, more than 10 times, that someone would come up to me and try to talk to me, and tell me how bad our country is, leave me alone.' The Tiktoker unloaded on Australia with his gripes. Credit: RussFlipsWhips / Tiktok The TikTokker defended his country, calling it the 'greatest place' to live and that he was stunned by people's interest in another country's politics. However, the comment he got the most push back on was about the food in Australia. '(Australia's) food just isn't that good, I'll give you chicken salt, but that's all,' Mr Richardson said. 'There's a reason people are overweight in America and it's cause our food is better.' Comments were quick to defend the nation's cuisine while also putting the yankee down a few pegs about his home country. 'Haha… food is NOT better in the US, LOL. In all my travels, nowhere have I had ease of access to good, fresh food and great dining out options, than here in Australia,' one comment said. 'The quality of food is much better in Australia. We don't even accept US beef or chicken here,' another pointed out. Although the strangest gripe that Mr Richardson had about Australia was around something that is a common sight for most Aussies. '(Another thing) I hated is you guys have speed traps (cameras) on like every road, every corner, every highway, every hundred feet,' he added. 'If I lived here I would get a speeding fine like every day.' A speed camera is set up on West Coast HIghway in City Beach Credit: Justin Benson-Cooper / The West Australian Despite the social media star's complaints, he did have plenty of praise for Australia, saying he loved the people, their accents, the scenery and the range of cars — including his jealousy of access to diesel cars. Hammering home the point of convenience about Australia, he said, 'it seems no matter where you are in Australia, you're never more than two hours away from the beach, the mountains, the rain forests... I was able to visit it all'.
