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Finance companies, credit unions and banks offer consumers access to loans. You'll be offered old and new car options, fixed and variable rates, as well as flexible amortization and repayment schedules. Finance companies are likely to offer quicker turnaround time (sometimes 1-2 days) on approvals than most of the major banks, but again, it is worth doing your homework where interest rates, terms and penalties are concerned. Some banks offer secure loans with lower interest rates, but being approved can take longer. Your personal needs for a vehicle will likely influence this choice to some degree, but it is worth doing your research in advance of needing the car. Another option for borrowers with bad credit is to obtain a co-signer for the loan.

Provided you do your homework before hitting the car lot, bad credit shouldn't stand in the way of securing a vehicle that meets your needs.

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