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The longer it has been since bankruptcy, the more likely you are to have a better credit rating. What are the benefits of BHPH financing? 1. They are more likely to find a buyer for your car and thus more likely to take it as part of a trade-in. A poor credit car loan usually has a higher than normal interest rate, and the payment periods usually range from two to five years in length. Over time, your credit score can improve. Then, with your monthly payment range and down payment information factored in, they'll show you cars that fit your financial situation. Despite recent headlines about the US credit-crunch, getting.


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