Save for a larger down payment
Buy a low-cost used car
Show proof of steady income
Provide proof of residence
Get preapproved by a credit union
Apply with buy-here-pay-here dealers
Look for first-time buyer programs
Consider a secured auto loan
Use a co-borrower only if available
Trade in a vehicle if you have one
Keep the loan amount small
Choose a shorter loan term
Improve your credit before applying
Bring recent bank statements
Bring pay stubs or tax returns
Shop multiple lenders
Negotiate the price before financing
Avoid add-ons that increase the loan amount
Consider leasing only if approved
Ask about in-house financing
Use a strong employment history
Get a cheaper insurance quote first
Be prepared for a higher interest rate