Save for a larger down payment
Show proof of steady income
Provide recent bank statements
Get a co-signer with good credit
Apply at credit unions
Apply with local banks
Consider first-time buyer programs
Look for lenders that work with no-credit borrowers
Choose a less expensive car
Keep the loan term short
Get preapproved before shopping
Bring proof of residence and employment
Pay off existing debts if possible
Build credit with a secured credit card first
Compare multiple loan offers
Avoid buy-here-pay-here dealers if possible
Make all payments on time after approval