Check your credit report for errors and dispute any inaccuracies
Save for a larger down payment
Set a realistic budget based on your income
Get preapproved by multiple lenders
Consider credit unions and online lenders
Look for dealerships that work with low-credit buyers
Choose a less expensive, reliable used car
Bring proof of income, residence, and insurance
Add a co-signer if possible
Offer a trade-in to reduce the loan amount
Focus on total loan cost, not just monthly payment
Avoid long loan terms if possible
Make all payments on time to rebuild credit
Refinance later if your credit improves