I don't think they're very hard to get a loan with. Hubby got approved for $15,000 and has several unpaid charge-offs a few years old. HOWEVER, the reason it may be easy is they screw you on the interest rate they want (17% for an auto loan.....I don't think so). Needless to say, we didn't take the loan. Also, if you're interested, they pull Experian.
