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Special financing is a term often used to describe auto loans for consumers with bad credit* – which can include people who have been through bankruptcy or repossession – and limited credit histories.

There are plenty of companies in the auto finance industry willing to accept applications for subprime loans, so if your credit is poor, there may be a lender ready to offer you financing that will help you get on the road.

First of all, keep in mind auto loans for people in bad credit situations typically come with higher annual percentage rates than those offered to consumers with better credit. That’s how the risk is balanced.

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