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Today Ray and Zach discuss what you need to know if you plan to buy a car with not great credit. Buying an automobile with bad credit is not easy, and Ray walks you through what you need to know in order to secure a car loan with subprime credit.

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0:00 Introduction
1:22 What is "bad" credit
2:03 Cash down
3:15 Loans as a percent of MSRP
4:20 Please don't shop every dealer
4:50 Come with pay stubs
6:10 Utility bills & lease agreements
6:30 References
8:15 Credit Unions