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Welcome to the wonderful world of credit, particularly in the United States. The fact of the matter is with that score, you're going to be paying higher interest. You could shop around a bit, but there's also a problem with that, as every time someone performs a query of your credit file, that can affect your credit too.

At the end of the day, you'll have to either come up with a way to better finance the vehicle, or make the decision to bite the bullet and pay the nasty interest (12% on a car is nasty). If it were me, it wouldn't be worth it, and I'd just drive a little ****box for a year or two until you can get that score up. Even if you can get that rate down to 8% within 2 years, that's $7-$9K you've saved in interest alone.

Perhaps you can ask a family member? Banks are paying crap interest right now, so offering 6 or 7 percent is pretty attractive for someone who's just making 1 or 2% anyway.
 
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