Bad credit car loans let you finance a vehicle when your credit history shows late payments, collections, or low scores. You’ll pay higher interest, face stricter terms, and should expect lenders to weigh income and down payment alongside your credit file.

A bad credit car loan is an auto loan designed for borrowers with credit scores below prime ranges. Lenders offering these loans accept higher risk and compensate with higher interest rates, larger down payment requirements, and sometimes shorter terms.

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