For our latest products, please visit the OWC website at www.macsales.com

Before visiting a dealership, take proactive steps to make your application more attractive to subprime lenders.

: Keep your total monthly debts below 45% of your gross income to show you can handle a new payment. 2. Target the Right Lenders

: A friend or family member with good credit can significantly lower your interest rate and help secure a low-down-payment deal.