Recently joined site and asked previously about bad credit auto loans. I was directed to roadloans and Capital One...before I apply I was hoping someone could school me on the dangers of applying for credit loans? Will it hurt my score very badly? It is already very low. Also, I won't have the full amount for a down payment until the first week of January. If I'm accepted by any lenders, will they expect me to act quickly or could I wait until Jan?
