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Direct lenders prefer working with consumers who have prime credit. On the other hand, lenders who are open to people with bad credit only do so through trusted dealerships. Dealerships are privately run and have certain programs which target specific buyers. Searching for the best bad credit auto dealers. When searching for a suitable dealership, you must narrow your search to one that accommodates your unique credit situation. In several cases, it might take a great deal of time, money, effort and energy looking for the right bad credit dealers.