If you client is looking for an auto loan. Just know that auto loans are still plentiful even for people with bad, and even horrible, credit scores. In fact, auto loans were the only loans that never dried up during the recent economic meltdown. According to Informa Research, a company that tracks rates by credit scores. Your client could have a credit score in the low 500s and still qualify for a loan but it will have a high interest rate. If they are willing to make a large down payment, they could get even a lower rate. Those is the 600 range can quality for a loan as low as 6% however the average is a bit over 10% without a down payment.
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