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Refinancing a car loan when you have bad credit means taking the time to compare rates and terms from multiple lenders. To help narrow your search we used application data from LendingTree partners to.

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. You may also want to consider adding a cosigner to the loan to minimize your risk profile. USDA Loan Credit. The average homebuyer who closed on a VA loan within the last year and a half had a credit score in the low 700s.

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