could pose problems such as higher interest rates and higher fees as well as rejection for lending. To avoid dealing with the problems associated with a poor financial history, make wise financial decisions such as opening up a Visa card account and paying the balance off each month. Those who already have poor finances need to apply for lending and take a few steps before entering the dealership to insure getting the best deal possible. The first thing potential vehicle buyers will want to do is research lending options outside of the dealership. When people enter dealerships with bad credit for car loans, dealers usually offer financing options according to payment amount not value amount. To limit possible consequences of applying with a poor financial history, go to a traditional lender such as a bank or credit union. These lenders will take the time to educate someone with bad credit for car loans that fit their income level. This way the applicant can look for the best valued car at a particular price. People trying to borrow with bad credit for a car loan amount higher than their income allows will have a difficult time improving their borrowing history. Applicants need to use the bad credit for car loan as an opportunity to strengthen their score. By accepting the consequences associated with such as a larger down payment or shorter loan term, applicants can begin making timely payments. This will help them improve a future rating and allow them to avoid the costs added to having a poor financial record.A poor borrowing history could increase the payment amount because the higher interest rates will swell the amount. However, once the vehicle is paid off, the person will be free to take out a at a competitive rate. At this point, if finances allow, the applicant can begin to shop for the vehicle of his or her choice instead of being limited to the vehicles available to people who apply with bad credit for car loans. Those who have a blemished record need to take the steps necessary to clean up their credit history, even if that means applying with bad credit for a car loan and paying higher interest rates for a season. When the car is paid off, the owner will be delighted at how much easier it is to finance purchases with a clean record. “Who can bring a clean thing out of an unclean? not one” (Job 14:4).