If you are looking for a no credit auto loan or a sub prime auto loan then you are venturing into the territory of loans for people with less then great credit. You either have a lower than average credit score or you have a history on your credit report of making late payments or both. You may have even defaulted on a couple of loans. Either way there is hope and probably your only hope for a new vehicle is through a sub prime auto loan which is the kind of auto loan they give to people with a bad credit history. Usually a loan like this comes with a higher than normal interest rate but you can help yourself get a better deal if you just bring a little extra to the table.

A large down payment will help you when you negotiate with lenders for a sub prime loan. A large down payment shows that you are a little more serious now about your responsibilities and that you are willing to accept the consequences of your past. It is a good thing to show a prospective lender and it will help you secure a better loan. So save up your pennies before you set out to get a car loan if you know that your credit history is less than perfect.

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