If you have bad credit score (less than 600) most lenders will instantly decline a loan application. In today’s tight credit market and with growing economic concerns it seems to be getting harder and harder for people with bad credit to find auto financing. This comes at a time when many Americans are facing the realities of foreclosure and bruised credit.

There are still some lenders that realize that some individuals get a bad credit score because of reasons beyond their control. Because lending underwriting criteria changes frequently, it may be difficult for consumers to shop for a bad credit loan on their own. One lender or dealer with generous bad credit financing terms may stop lending to poor credit from one day to the next.

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