Before the economy burst into crisis recently, you were able to get a credit to buy a car virtually from any company. This companies and banks stopped caring about who was asking for their money as long as the rates at which they were lending were high enough. This resulted in authorizing loans to many people that had a very bad credit history.

Today with the credit market in a huge crunch, even gigantic corporations can't get loans much less the little guys. Even the netquote market is ugly. Some are better than others, especially for car insurance quotes, but financing is a whole other matter.

So, you still need a car loan, right? The first thing you need to do is find a dealer who needs to dump some inventory. This is usually easiest from September through December, with the best market being between mid-November and mid-December. The less picky you are about brand name, the more choices you have.

The car youare going to buy shouldnat be very expensive, and always remember to take in account that youall need car insurance so you should quote this is advance, in order to avoid high premiums. Some cars come with many options so make sure that you just buy what you need in this moment, and maybe you could upgrade your car later.

When making a deal, make sure that you try to take advantage of the situation in which car dealers are right now. Instead of just getting a discounted price, you could also ask for payment facilities, free car service or gas bonus.

To be certain that you will be able to pay for the car, you should ask the dealer to tell you how much would you pay in a monthly basis and you can add this to the car insurance that you previously quoted. If the price seems reasonable, the you should look for a bank to make your application.

The car dealer may tell you to go with one or two banks to make your application, but it probably would be best if you could look for one on your own. There are many companies and websites that should be useful in your quest and that will present you with much more options and facilities.

Dealers are desperate right now. Your credit might not be the best, but with some offline preparation and the right dealership, you are sure to find a dealer who will work with you anyway. After all, everyone who repairs their credit starts somewhere!