A: You should do what I did. I have pretty poor credit, so if I so much as try to get a bagel on a tab, I get denied. Having credit like that makes it almost impossible for me to get a loan for all of the necessary things in life, such as a car, a home, and so on. But, there’s a way you can sidestep the normally very stringent financiers and get what you need, albeit for a little higher price.

What I do is apply for loans online instead of through my Honda dealer in Dallas TX. Some dealers may give you loans, but if you have bad credit the rates will be terrible. Online lenders usually have better rates. You can save yourself a lot of time doing this, as well, because when you go up to get your car you’ll already have your approved check in hand and won’t have to worry about rejection.