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Having bad credit will cause you to have higher monthly car payments, though you may be able to choose a shorter term loan to take advantage of lower interest rates. Instead of purchasing a newer model vehicle, consider purchasing a used vehicle. Some used vehicles are just as good as new ones, the only difference is the number of miles.
Having bad credit makes the process of doing things more difficult than it would be if you had average or fair credit, but there is light at the end of the tunnel. Remember that there are auto dealers who have the answers to your car and financial woes.