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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. When you refinance your loan, you pay the remaining balance in one lump sum, and, if your contract includes pre-payment penalties, you’ll have to pay that amount in addition to your principal balance. Over time, your credit score can improve. High Pre-Payment Penalties Predatory lenders like to include things in their contracts that make it nearly impossible for you to refinance your loan. Auto loans like all other loans available in market come in two forms - secured and unsecured. At a traditional dealership, the financial conversation is often the last part of your discussion. You might not see "Buy Here Pay Here" written across the windshields of their cars, but phrases such as "We Finance" may indicate that option is available. Bad credit auto financing can get the best interest rates at the most flexible terms and conditions for bad credit borrowers. The best way to get a good deal is to shop around and compare the various rates available from different vendors. You will get a chance