- 1). Save up money for a down payment or a straight purchase of the vehicle. The amount of money needed varies for the vehicle being purchased, but $1,000 is typically requested.
- 2). Be prepared with all of the information that may be required to finance. This includes a title or information about a vehicle being traded in (if trading one in), money for a down payment, proof of employment, proof of residency, and proof of insurance. This will cut down on the time at the dealership if everything is set up ahead of time.
- 3). Find a dealer that guarantees financing for those with poor credit scores. Most of these dealers advertise their ability to get just about anyone a loan. These dealers often advertise in the newspaper and hang fliers and signs around their lot.
- 4). Find a car that is easily affordable and is in good condition. Often these vehicles are used, although new ones are available. Be sure to obtain a vehicle history report on any used vehicle.
- 5). Negotiate to see if the dealer can work in a warranty or sell one up front. Many dealerships work with warranty companies to help ensure that the customer can pay for the vehicle repairs and will not fall into default due to the cost of ownership. Many dealers also work in scheduled maintenance for the vehicle to keep it running well.