: While many apps show "Vantage" scores, most auto lenders use specific FICO Auto Scores .
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A down payment is one of your strongest levers when negotiating a bad credit loan. : While many apps show "Vantage" scores, most
: In the auto world, a score below 580 is often considered "deep subprime" or poor. 2. The Power of a Down Payment buying a brand new car with bad credit