Discussing in house financing auto loans with low credit score as one moves down the credit spectrum into good to poor to bad, the story begins to change. The average auto finance firm expects most of its business to be poor credit but good enough to pay the loan and not require the car be reprocessed. For an auto finance company this is a great business model. It allows them to charge high interest rates with only a reasonable amount of risk. At high rates they do not even have
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