Since the collapse of the subprime mortgage market, lenders have all but stopped offering loans that sound too good to be true. But that’s not the case with subprime automobile loans, which lenders continue to market aggressively to consumers with imperfect credit.

“Don’t let bad credit stop you from getting a new car!” a voice actor exclaims in one television ad, as images of shiny sport utility vehicles appear onscreen. “At 450Credit.com, a 450 credit score, plus $450 a week in income, equals a brand-new car!”

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