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, With this type of bad credit auto loan, the financing is secured by collateral. This helps you get an apr of 1.9% when you have bad credit;
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Penfed has excellent ratings from. Your most recent pay slip. Best overall personal loan for bad credit with instant approval. The minimum credit score for a penfed credit union auto loan is 610.
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![5 Lenders for the Best Loans in Calgary [2020]](https://i2.wp.com/www.thebestcalgary.com/wp-content/uploads/2020/05/1-min-30.png "5 Lenders for the Best Loans in Calgary [2020]")
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