If you are someone with bad credit, low credit, or no credit then you have probably noticed all the advertisements claiming that they can get you auto loans for no credit. These dealers typically promise you the moon upfront, and then stick it to you in the back end (literally). They will say things like get a no credit check auto loan with no down payment and a low interest rate today, or something like we will finance everyone. Then they show pictures of people driving away happily into the sunset with a brand new, nice car.
Sadly, this is not generally what happens if you show up by yourself wanting a car loan if you have bad credit or no credit. Yes, they may offer a no credit check loan option, or a loan for people with bad credit, but make no mistake you will pay dearly for not having that credit check or for not having good credit scores. You will pay in terms of higher monthly payments due to higher interest rates and you will also generally pay in terms of the amount required as a down payment at signing.
So, what can you do so you can actually get a decent loan? Well, the first thing you need to do is find out if you can fix your credit score. No, this will not be easy, but there are several agencies set up and designed to do this specific thing, and many of them are non-profit. You just have to take the first step.
The second option you have is to find a good, credit-worthy co-signer to help you secure your auto loan. If they are willing to sign and back you up in case you default, then that lowers the risk the bank/lender is taking on you significantly. As such, this is the best way for you to get the loan that you want at a decent rate.