While getting a subprime car loan is harder these days, it is not impossible. If your credit score falls below 640 you will only qualify for a sub-prime loan. These loans carry a higher interest rate and the terms can be tougher. When looking for a sub-prime auto loan, start locally. Many banks have sub-prime departments that only deal with flawed borrowers. Talk to local credit unions as well. They are often willing to lend to less than perfect borrowers. The majority of car dealers are more than happy to facilitate sub-prime loans. If you cannot find a suitable lender locally, doing a Google search for sub-prime loans will bring up a long list. Carefully review the terms of any loan before signing.
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