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If you have bad credit or even no credit getting car financing can be difficult because not many lenders will give you a loan. Most car finance companies won’t issue you a loan because they consider you to be a high credit risk, especially if you have a repossession or more than one or two late payments on your credit report. High risk loans are not worth the hassle for most financing companies because of the chance of default, if something goes wrong, they are going to end up losing money.

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