What are the best auto loan lenders for fair credit?

My credit score the last time I checked was 635 it's not good but it isn't totally bad. I really need a car. This would be my first auto purchase. Should I finance through a dealer? I keep getting turned down for auto loans.

What are the best auto loan lenders for fair credit?
Finding a bad credit auto lender take a little bit of work to find the right one. When looking to buy a new or used car, the dealer may offer bad credit financing, or refer you to a lender. Car buyers should consider arranging their own financing. Bad credit auto loans are simple yet complicated and some lenders will try to take%26lt;!--advantage of you. It helps to know your available options.Before applying for a car loan, try to get a copy of your personal credit report. Lenders base approval on your credit score and credit history. Some lenders classify sub prime borrowers as persons with scores below say 700. On the other hand, another lender may qualify a borrower with the same score for prime rates.





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Unless you have a 700 or higher credit score, it might be a good idea to look at your credit report and see what you can do to improve your credit score. A 700 score will get you the best rates at the best loan terms. Any credit score higher will not change what a lender can offer you, since you will already qualify for the best loan deal. Where you will start having trouble is if you fall below a credit score of 700. When you fall below--%26gt;lenders see you as a risk and will start charging higher interest rates in order to offset the risk.At this point your only options are to seek a bad credit lender or get to work on fixing your credit score. There are a number of quick things to do to improve your credit rating and get the loan you need at the rate you want.
Reply:Never finance a car. Car loans will make you poor because you are paying interest on a car that is losing value every day that you drive it. Save up and pay cash. If you can't afford to pay cash for a car, then you can't afford it. I guarantee that you will always get a good deal on a car if you use cash and negotiate. I bought a car last year (from a dealership) with cash and saved several hundred dollars. It took several months to save up the money but the extra effort paid off big time.