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Message: <blockquote data-quote="timothyp" data-source="post: 2268597" data-attributes="member: 233768">Why doesn't she try to get pre-approved for an auto loan with some of the sub-prime lenders (hsbc auto, citi...) before she goes to the lot?  Then she doesn't have to tell them her situation.  It really is none of their business anyway.If she must go that route, she needs to follow up the statement about having a bankruptcy with the fact that she has a large down payment.  If she has 6k, then she has about 25% down on the price of the average car.</blockquote>