Qualifying for an auto loan is more than just your credit score. There are a lot of factors that should be taken into consideration before trying to apply for car financing so that you don't end up having to apply many times--especially since all of those applications show up on your credit report and future lenders will see that you were applying for loans a lot (implying you were repeatedly turned down). So, your credit score isn't the only factor taken into consideration. In fact, the first thing most lenders will look at is whether or not you're employed. Having a job that pays well, that you've had for a long time, does a lot for your application. It shows that you have the money to make your payments at all, and it shows some kind of stability. Stability is something that lenders are very interested in, they like seeing that you've lived in the same place for a number of years and that you've had the same job for a while. They also look at your financial history. Your credit score is calculated based on the information in your credit report (aka, your financial history). If you have a lot of bad marks on your report it's best if you can try and find some way to improve some of these things. Paying down the balance on your credit cards is a fast way to make a good improvement if at all possible. When you have a bad credit score, and you've done all you can do to try and improve the situation in the time you have for getting an auto loan, than you'll want to spend more time focusing on some of the other areas they'll look at. Having a good sized down payment can help out a lot on your application. When all else fails you should also consider your options for a cosigner in order to qualify for car financing. The more you know the better. Visit my site for more information about options for your individual circumstances, including after bankruptcy auto loans, bad credit, students, or no credit car loans.