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Get a loan with really bad credit ******* How to Get a Car Loan with Bad Credit Getting a car loan with bad credit really depends a lot on the current lending climate as well as factors such as your income, how long you’ve been at your current job, and how much debt you currently have . Back in the good ole days before the financial crisis (2005-2007), people with terrible credit were easily getting financed. Shortly after the crises, even people with great credit were having a hard time getting financed. Thankfully, lenders are more willing to finance these days and if your credit score is above 550, you have a good chance of getting some sort of auto financing. Be warned however – if you have bad credit, you’re way more likely to get ripped off – first by paying a much higher interest rate, and secondly by the car dealer who is trained to take advantage of your situation. Therefore, it’s very important that you exhaust all your options in order to find the best auto finan...