
They care about your income, not your credit score. The Con: Interest rates are higher than traditional banks.
Lenders look for "Ability, Stability, and Willingness." Since you can't prove "Willingness" (credit history), double down on the other two. Bring your last three months of pay stubs. buy car no credit no cosigner
Check local first; they are often more flexible than big banks. They care about your income, not your credit score
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