If you have waited until the end of the year to buy a car, you did yourself a huge favor.

Dealer and Manufacturer incentives are at levels we have not seen for quite some time as dealers look for end of year sales to boost their numbers. Even lenders are getting more aggressive so they can meet their yearly quotas. Even if you were turned down for an auto loan, there is still hope to help you buy a car and start rebuilding your credit in 2010.