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Anyone can get a car loan, but a good one can be hard to get. We’ve all see the ads that blare about no money down for qualified buyers. ads claiming that you can get a 0 down bad credit auto loan, today! But if your credit is bad, you might be worried that you don’t "qualify" for any car loan, let alone one with no money down.

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6.5% of auto finance loans are 90+ days past due, compared to just 0.7% of those made by credit unions. Steve Goldstein is MarketWatch’s Washington bureau chief. follow him on Twitter @MKTWgoldstein..

Your actual APR will depend upon factors evaluated at the time of application, which may include credit score, loan amount, loan term, credit usage and history. All loans are subject to credit review and approval. When evaluating offers, please review the lender’s Terms and Conditions for additional details.

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