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 Dear
Terry,
My FICO score is 500 and I was supposed to take over my girlfriend's car, a 2005 BMW 645 that she agreed to buy for me on the assumption that I would get financing in three months. We owe $57,000. I can't get financing, but I make $130,000 a year. What can I do?
-- Robert
 Dear
Robert,
I won't ask how someone who makes $130,000 a year has such a low FICO score. But to address your main question, there are subprime lenders who may be willing to make you a loan. Expect the interest rate to be as high as 21 percent, which could mean payments well above $1,000 a month.
My advice is to sell the Beamer and live within your ample means for a while.
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