Is the worst of the financial crisis behind us? Well, I was skeptical, but now I am starting to believe.

Several auto lenders have recently announced friendlier loan guidelines, or they plan to by the first of the year. Lower interest rates, higher loan advances, lower acquisition fees. Slowly but surely, things are looking better.

As auto lenders start to see increased profits and reduced delinquencies, they have begun adjusting their scorecards to fit what they see as an improving economy. That is good news for millions of potential car buyers.

If you have been turned down for an auto loan over the last six months, or you simply didn’t like the auto finance terms you were offered at the dealership, now may be a good time to give it another shot. You might be pleasantly surprised by the terms of the auto loan.