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: Instead of a FICO score, dealers primarily evaluate your proof of income , job stability, and residency.

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: Payments are typically made directly to the dealership on a weekly or bi-weekly basis to align with your paychecks. : Instead of a FICO score, dealers primarily

: To mitigate the risk of lending to subprime borrowers, these loans often carry significantly higher interest rates (sometimes exceeding 20-25%). : Instead of a FICO score