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I hope someone out there will be touched to help me. It may seem daunting, but if you succeed, you may be able to cut your debt by 50 percent or more. In fact, new car shoppers who are deep-subprime consumers -- those with the worst credit and who are now more likely to find financing -- actually have slightly higher interest rates than last year. Lenders consider more than just your credit score poor credit auto loan when deciding whether or not to extend credit.

A look at car financing through loan consolidation services, sub-prime lenders, and the 4 best places to find an auto loan. Nasdaq Chief on What to Expect After the 2012 Elections.

For used-car buyers in these credit categories, the difference in payments is also dramatic. Company fundamental data provided by Morningstar.

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