If you haven't been able to get approved for a car loan in your local area, it may simply be that the dealerships that you've been dealing with don't have the lending resources to help you. There are lenders for everyone and if this is the case for you, online lending sources that offer legitimate auto financing options for people with bad credit can be the best solution for many people.
You will find that dealerships in your area all deal with different lenders. Sometimes new car dealership have more resources available to them than standalone used car dealers. Either way, you can benefit from using a lending network that has thousands of dealers and lenders at their disposal to get you approved.
Don't be discouraged.
You just haven't been to the right place yet. Have you had a repossession? If it hasn't been included in a bankruptcy, then it needs to have been 12 months ago, at a minimum. If it was included in a recent bankruptcy, then that's ok.
You also have to consider income requirements. You need to have $1,700.00 or more in personal or household income to qualify for most auto loan programs that help people with bad credit.
You will have to have a job. No one will extend credit to you for a car or a credit card if you don't have a source of income. This can however, be social security or disability income if that may be a situation that you are dealing with.
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