It is no big deal to get a poor credit car loan in today's vehicle loan market. Even though it sounds too good to be true, you can even get bad credit auto loans with decent interest rates. It requires from you a little legwork upfront consisting of

• compiling a sample of loan offers

• comparing rates

• checking out policies

• negotiating with loan companies.

Before doing the steps above,

• find the car you are interested in and its price

• deduct the amount of money you have that you are able to put into it or estimate the value of an eventual trade-in. You now have the amount you need to borrow

• go through your monthly income and expenses to find out the monthly payment amount you are able to pay for the loan

• if the amount above covers the payments of the loan, then fine - if not look for a cheaper auto.

Researching loan offers for people with poor credit history as well as doing comparisons between the offers takes time but it's well worth it. On the internet this can be done in a fraction of the time it will take to collect the necessary information offline. Never jump into a the first deal you receive - therefore allocate some time for comparing deals. Also be prepared for negotiations with lenders. This can also be done online.

Don't let your credit destroy your life. Do something with it. Make an effort to find a car loan with an acceptable rate and repair your bad credit.