The following advice to consumers seeking a bad credit car loans before the end of the year:
• Know the information contained in each of your credit reports as well as the individual credit score for each one
• Plan on coming into a bad credit car loan with at least 10 percent down in cash or actual trade equity
• Keep the term of the loan as short as possible
• Buy a compact or midsize car and put off purchase what you really want until after you’ve reestablished your car credit.