So many individuals can become overloaded with debt, which is how bad credit will come into the picture.  Unfortunately, many of these individuals do not foresee the problem occurring until it has reached up and bit them in the behind.  Luckily, for these individuals there are hundreds of financial institutions that offer individuals who have bad credit the financing they need to purchase a new or used car through special loans known as bad credit car loans.  The term buying a car with bad credit means that an individuals credit score must be below seven hundred for an individual to qualify for such a loan.