If you are in need of an auto loan, and your credit is not so good, the first thing to consider is how much time you have to buy your car.

If you are not in a hurry, your first step is to obtain a copy of your credit report. Once you have your credit report, examine it for anything out of the ordinary or untrue. If there are items on your credit report you do not believe to be accurate, you might consider using a credit repair service for help getting them off of your credit bureau.

Once the negative items on your credit are corrected, you might want to get pre-approved for an auto loan through a site like WashingtonAutoCredit.com. You want to get pre-approved through a company that works with many different lenders to help you obtain your best loan. At WA Auto Credit, we have around 50 different lenders from Credit Unions to Local Banks to Finance Companies that function almost like Buy-Here-Pay-Here lenders.

What if you are in a hurry?

Things change a little bit if you do not have time to dispute the negative items on your credit bureau to try and get them off. If you need a car, and cannot wait, or if your credit simply cannot improve anymore, you need to apply for a bad credit auto loan. A bad credit auto loan obtained at the WA Auto Credit office will report as a new line of credit on your bureau. Additionally, if you pay the account as agreed, your credit will improve (assuming you do not do any more damage to it through your other lines of credit).