Is it possible for me to get a loan?  Yes!  There are quite a few companies that are willing to work with those who have poor credit, stemming from a bankruptcy or delinquent payment.  As long as you have a job, there is a lender out there who can help.

What do I need to do to qualify for an auto loan?  Every lender is different, but they all require you to fill out an application.  They may also want you to provide a copy of your W-2 form or a pay stub, as well as proof of residency.

Do I have to use the dealership’s preferred lender?  No.  It may be convenient for some, but if you use a company that provides quotes for auto loans online, you will probably get a better interest rate and more reasonable finance terms.

If I am approved, how do I pay?  Some companies make it easy, by giving you a letter of approval or a blank check that you simply make out to the dealership for the purchase price of the car.

Why use an online finance company?  There are a few reasons.  You will be able to buy your car at almost any dealership, rather than just a select few.  This widens your choices, and makes it easier to find the car you want at a price you can live with.