Even with bad credit car finance is a possibility, although to find the right lender, shopping around is a must. Some lenders and car dealerships specialize in providing loans to those whose credit isn’t as good as it might be, and that’s a good place to start. Make sure you know how much you can afford to borrow, and if possible try to come up with more for your down payment. Many dealerships handle their own financing, meaning your chances of being approved with poor credit are higher than if they work with an outside lender. Look for second chance car loans, which really are just what they sound like, and can help those with a lower credit score. Rather than talking to your bank, consider joining a credit union and borrowing from them; their rates are often lower and they are often more inclined to work with their customers.