Let's face it: being turned away for a loan is disappointing, especially when you really need it. And if you need a car, chances are it is an urgent situation and probably needs to be taken care of fast.

The key to a successful bad credit car loan also means focusing on the basics. In this case, it means wading through the different types of offers that appear in internet search results in order to find the right kind of opportunity that will allow you to reestablish your car credit.

Confused about what exactly rent to own car programs are? At their core, rent to own car programs are just another form of auto loan, although they are generally easier to qualify for since most dealers don't run a credit check on renters.

Credit-challenged buyers usually can't buy a vehicle from a private party because subprime lenders only loan indirectly through dealerships. Auto Credit Express is not a lender, so we can't tell borrowers what their interest rate will be – only the dealer will know that.

If you're searching for a car, you probably want to be as prepared as possible when you find the dealership that can approve you for an auto loan. For bad credit car buyers, one of those steps is having a list of references ready to present to your potential lender. When you are working with a dealership that specializes in alternative auto financing, they look at factors outside of your credit to determine your reliability as a borrower.

One of the biggest obstacles to getting approved if you have bad credit is finding a car dealer that specializes in car loans with bad credit.

The first thing borrowers should do before applying for a car loan is to check their credit reports (and correct any errors) and find out at least one of their credit scores. In addition, if they have poor credit and are self employed, they will need at least two years of professionally prepared tax returns showing after-expense proceeds from the business that meet the minimum requirements of subprime lenders.

Sometimes your decision to buy a car is based on immediate necessity, and if this is the case, you're going to want the process to go as quickly as possible. You're looking for an expedited loan approval, and you may very well be able to get just that. Everything is just going to depend on the current state of your credit and how well you are prepared.

While Auto Credit Express is not a lender, a number of dealers in our network do offer weekly payment options. Looking at both the indirect monthly subprime loan payment schedule as well as the buy here pay here weekly loan payment schedule, whichever one a consumer chooses will generally depend upon their current credit situation.

If you have credit issues, you can save yourself a lot of time and frustration by determining, on your own, if you meet the basic requirements of most high-risk lenders - before submitting an application for a bad credit auto loan.