Subprime Borrower
  
See: Subprime. See: Borrower. See: Subprime Auto Loan.
If you're one of these, you're a big fat credit risk. Nobody's fighting to lend to you, unless you pay big fat interest rates, and make other big fat guarantees.
Something clearly went wrong up the creek to put you in this vulnerable position, so um...really look hard for that paddle.