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Some of those other places say they get you a great bad credit auto loan, but you could leave those places bogged down with bloated interest rates.
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The goal is to lower the interest rate and the monthly payment while paying off your debt more quickly.
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You should not take them out to pay for non-essential things, and you should never make a regular habit of using them, otherwise you can fall into a well of debt that gets deeper and deeper.
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