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economy even lower credit scores can get you riding in style. Remember that as much as you want to buy that car, the dealership wants to sell it to you even more. The longer a vehicle sits on their lot, the better deal you will make with them. There are many dealerships out there that offer 5 minute credit approvals, walk in, drive out and special financing. Remember, they do not make a dime if that car sits on the lot.

There are several ways to accomplish obtaining the loan. First, do your homework. By that I mean know what your credit score truly is. There are many ways to find this out through several free websites available today. Be realistic in what you can pay and what you can afford. Also, the old saying "Money talks" is always true in the car business, so be prepared to make a reasonable down payment. Know what your trade is really worth and do not settle for less in the negotiation process. The dealer will respect the fact that you have done some research and you will get a much better deal.

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Do not lay down for the "first pencil". This is an industry term which means the dealer will come at you with a ridiculously high payment and price. Tell the salesman that you will NOT lay down for the first pencil and he will chuckle over the fact that you will probably beat him at his own game. Lastly, do not be afraid to walk away from a deal that you feel pressured to take just because your credit score not perfect. There are dozens of dealerships who will make you the deal you want.