The Motley Fool turns its eye toward subprime lending, that old devil, and asks if we’re heading back down a bad road.

With the subprime mortgage crisis now more than six years behind us, it seems like the U.S. mortgage industry has learned its lesson. Although lower-credit and low down payment loan options are coming back to some degree, the free-for-all of no money down, low-documentation, and other exotic loan products is a thing of the past.

Yet, there is another aspect of the lending industry that seems to be embracing subprime borrowers -- the auto lending industry. Here's why auto lending can be even more dangerous than mortgage lending to banks, and whether or not we may be heading for another subprime crisis.

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