Low credit car loans help individuals with poor or limited credit histories secure financing for a vehicle. Lenders offering these loans typically consider factors beyond just credit scores, such as income and employment stability. Interest rates tend to be higher due to the increased risk, but options like larger down payments or co-signers can improve approval chances. Borrowers should compare lenders, check for hidden fees, and consider improving their credit before applying. While these loans provide a path to car ownership, responsible repayment is crucial to avoid further financial strain and potentially improve credit scores over time.