Near prime" (in yellow) are borrowers who have credit scores of less than 660. "Subprime" (in red) have scores below 600. Yet these two groups have received more new money to buy cars than any other.

Why would banks do this? Because these groups have to take whatever interest rates they can get. And banks are desperate.

Specifically, there are two lenders doing this more than anyone else. And if you know what's good for you, you'll steer clear of them.