This is a common question we get from individuals considering debt settlement as an option for their unsecured debt. The answer? It depends on your personal financial situation. But as the following article points out, auto lenders are now focusing on and giving loans to subprime consumers.
https://money.msn.com/saving-
While you can expect to get a higher interest rate, it is possible (and maybe easier now) to get an auto loan with less than stellar credit.