: You will typically need to provide proof of income (pay stubs/bank statements), proof of residence (utility bills), a valid ID, and personal references. Strategies for Success

: Lenders may limit your choice to reliable, lower-priced used cars—often those under 10 years old with fewer than 100,000 miles.

: Borrowers with credit scores near 500 can expect APRs between 15% and 25% or higher.

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