I am in the market for a car. However, I have bad credit. I need to find a good secondary finance company. K

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Has anyone ever used Swap-a-lease.com?

Start with Capital One auto finance, they tend to have great rates for low credit buyers, then you can take their approval to most dealers. Also, Carmax has a great program on used cars for low credit buyers. Just remember, it is still all negotiable with a dealer, if one approves you, another probably can too, don't settle for too high of a rate which can range from 12-29%

how late can it be before it's too late to return a car back to the dealership?

there's a lot of people that would help you get another car,,but the thing you have to watch out for ,is the high interest rate you,ll have to pay,if your paying 29% interest ,,its not worth it,watch out for the name green tree acceptance company,they,ll finance anyone,,bad thing is you can never get them payed off because of the high interest,id look around,,i know that someone will help you,,everyone deserves a second chance in life,,good luck with it,hope this help,s.

Since American Automobiles are sub-standard quality, gas guzzlers, what other car is a better choice?

Depending on your location you can try DriveTime or JD Byrider
they both finance cars to people with credit problems
and they both report to the credit bureaus which will help you establish your credit for future purchases. Try to stay away from the mon and pop dealerships they do not report your good credit with them and any purchase will not help your credit.
The cars are a little pricey but it will help you in the long run
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