Special financing is a broad term for bad credit auto loans. Whether your poor credit is situational, like a past vehicle repossession or bankruptcy, or if you’re just starting out in the world of credit, special financing may be what you need for your next car loan if traditional lenders are giving you the runaround.  theCarCreditExperts have special finance managers who communicate directly with subprime lenders for you. You can finance both new and used cars with a subprime lender. Most of them require that their borrowers finance a vehicle that’s less than 10 years old, with less than 100,000 miles.