Not too many of us can live without having a vehicle so if you need a car, have some credit problems and don’t have enough cash saved to be used for a down payment, you have some work to do. When a lender makes a decision to lend you money, it all boils down to risk. That holds true for all loans, not just ones to purchase a car. So before you fill out that credit application, look into your situation the way a lender would and you will have a better understanding of why a lender requires certain things to be in place when they look at your needs for financing a car. » Read more: Applying for an Auto Loan