In the past, these types of loans were not common, but because there were ample funds to support these types of loans, in many cases they got done. But with the current lack of funding, subprime lenders are looking at these loans as more trouble than they’re worth and they’re turning them down.

That being said, some people we’ve heard from have had some success renting a vehicle from a “rent to own” dealer or buying a vehicle from a “buy here pay here” dealer. The downside, of course, is that obtaining a vehicle from one of these dealers could be in violation of the court unless an order to incur is granted. This is also a service that Auto Credit Express does not offer.