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Unfortunately, these excellent deals may not always be available to people who have poor credit. For those who have poor credit, it may be necessary to make a large down payment to get a loan, and even so, in many cases, it may still be impossible to get one.

However, those with bad credit are a valid market, and creditors have sprung up who will offer them a loan. In fact, there are even creditors who will give out a loan regardless of a person's credit score. This is an excellent opportunity, as these people understand that type of financial situation, and will tailor the credit that they give so that a person can completely afford what they borrow. They may even offer a lower rate than the more common and frequently-used creditors.