The only you way you will be able to find out which creditors offer loans to people like you is by shopping around and comparing their quotes. The Internet is a very useful tool for this purpose so make it work to your advantage. This is one of the most important things which you must do if you want to find the best auto loan out there.
A lot of people or creditors might tell you that you have a very bad credit but you should never take their word for it. What you can do is get your reports for a small fee and show it to the lender. Remember that what is bad in the eyes of one lender may just be fairly good to another. Even if your score is tarnished, you might still have a fair chance.
Start your search close to home
Some people automatically think that they cannot get a loan with their scores that they do not even care to check local banks and lenders. You should start your search close to home. Go to your local bank or credit union first before you start considering other options. Always go to the bank where you have an account or a credit union which you are a member of. This will increase your chances of getting car loans.
There are numerous lenders which specialize in car finance so you should make it a point to look for them. Most of these lenders have low rates and cater to people who do not have the best credit scores. These lenders can be name brand national banks or local and regional banks.
People who are in search of auto loans often end up looking only at payments and not the loan terms. This is a very big mistake and this is something which you must avoid. You should not let yourself get distracted by promises of low payments over a long period of time. You must look at the whole picture before you make any decision.