Even if most lenders and dealerships have informed you about your terrible credit score, you must find your current ratings. You will require your credit score while submitting the auto loan application form. Mentioning an incorrect credit score can lower your chances of approval. Also, there are chances that your credit score may have improved.

If you have chosen a specific car, then keep all the vehicle details ready like car make and model, Vehicle History Report, Car Title information, etc.

State Law. Depending on the state that you live in, there may be a maximum interest rate for bad credit auto loans allowable by law. This usually only affects auto loans that are made by buy here, pay here car lots, but may affect an auto loan made by a sub-prime lender. These laws are designed to protect consumers from predatory lending practices.