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Because car loans are secured, the interest rates are better than those on unsecured loans. High Pre-Payment Penalties Predatory lenders like to include things in their contracts that make it nearly impossible for you to refinance your loan. It is important to keep credit limits low at first with the card though so that you know that you can handle the card. After you've seen a few models, asked a host of car questions and possibly test driven one, the dealer will help you explore payment options. A secured credit card can also help with fixing bad credit after bankruptcy. The best way to get a good deal is to shop around and compare the various rates available from different vendors. 3.Your introduction to the world of Buy Here Pay Here financing Chances are that you've seen the words "Buy Here Pay Here" painted boldly across the windows of a local car dealership. Additionally, most of these dealerships only report to a credit bureau when you’ve defaulted on your loan. They are more likely to find a buyer for your car and thus more likely to take it as part of a trade-in. To

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