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There are many issues that confront car buyers when they purchase cars through a vehicle loan. However, there are still a lot of issues that would confront you in case you are having a low credit score and a bad credit. The most common examples of these are the issues involved when you get a car loan with bad credit. In case you are in need of a bad credit vehicle loan you should know these things so as to help you weigh the decisions as to whether you will obtain a loan or not. The best way to do this is do an extensive car research. If you don't have the time to do the research, try to read the issues provided below. 1. Limited loan offers One of the most common issues faced by bad credit holders who wish to get a car loan with bad credit is the limited number of offers for this specific condition. This is because only a few lenders are willing to take the risk and offer loans for bad credit holders since these types of creditors are prone to loan defaults and late payments. However, you can search for bad credit loan offers by paying some local lenders a visit. In case they don't have the loans that you need, they can refer you to other lenders that offer such. Lenders usually know other individuals that offer loans just like them. Given these, you have all a greater chance to locate a lender that could provide the loan that you need. You can also conduct an online search for specialized lenders that provide bad credit loans to potential customers. You only need to be careful to ensure that you get the best offer. 2. Higher payments involved Besides the limited number of loan deals offered, most bad credit loans involve higher interest rates and monthly payments. This is because lenders charge higher interest to minimize the financial risks that they face when dealing with bad credit holders. Due to this, you need to examine your personal budget and try to assess if your monthly take home pay minus the average expenses would be enough to cover the expenses of the loan.