When it comes to getting an auto loan with bad credit, most lenders have a score card that they use to rate your credit worthiness and risk. Rarely will sub prime lenders rely on the credit bureau score alone when making their decision whether to approve or decline an auto loan application. Following are a few examples of items that may be part of a sub prime auto lenders score card.

Time in Bureau
Many lenders use the “In Bureau Date” as part of their score card, the longer a person has been in the bureau system the better.

Previous Credit High
Finance companies may look at your previous credit high to determine the loan amount that they will approve.

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