Rebuild
It might seem like the hard way to do things, but rebuilding a low credit score to obtain a loan is another option. It might take some time and work, but you can really bring your score back up, especially by paying off delinquent loans you have on your credit report.
Depending on your current credit score, you might be able to see improvement in a short period of time. If you can wait long enough to improve your credit score, it could make a huge difference in interest rates and types of loans you qualify for.
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