You can still get into a car even if your credit score is low. Lenders, dealerships, credit unions, and specialized subprime lenders offer loan options for bad credit—approval often hinges on steady income, a reasonable down payment, and comparing multiple offers to find the best terms.

This article shows what lenders look for, how to improve your odds, and practical steps to apply so you don’t overpay in interest or end up with damaging terms. Expect clear guidance on qualifying, estimating payments, and alternatives like co-signers or saving for a larger down payment to strengthen your application.

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