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If You Have Auto Loans With Bad Credit History Go For Online Dealers Finance Articles | October 5, 2010
Mostly all used car loans with bad credit are available with huge discounts. People generally go in for new and used cars because it may be difficult or unaffordable for them to finance a new car.

A good car loan and bad credit have long been thought about as opposites. That?s because most people have learned through experience that the best car loans go to those with good or excellent credit. Certainly to those with a FICO score of over 640. Most applicants with a FICO score under 640 have to take what are referred to as subprime car loans. These are loans that have been designed for those who are credit challenged. What makes them different? There are several things:

?? 1. Interest rates

Interest rates on subprime car loans are significantly higher than on prime or near prime loans. Sometimes Jamal Adams Womens Jersey , depending on the credit score, they aren?t a great deal higher but then they can also run as high as 25 to 30%

?? 1. Loan term

Subprime loan terms are generally shorter. They can be generally 3 to 5 years. Not nearly as many subprime car loans are 72 months when compared to car loans generally.

?? 1. Loan Conditions