Having poor credit won't always stop you from getting an auto loan, but it does change the process of buying a car. One of the most difficult steps to getting a subprime auto loan is finding a dealership that's willing to work with you. Many lenders and dealers aren't very flexible when it comes to helping people buy a Vehicle with bad credit.
Traditionally, lenders use your credit score to qualify you for an auto loan, and their processes may call for an automatic turn down if it's low. However, certain bad credit auto lenders are willing to work through challenging situations because they base approvals on your income, employment, and other factors in addition to your credit.