When you visit the auto dealership you should be ready. With good plans you will be able to be in a good state in such situations. You will also see that the process will become a lot smoother. One decision that can really help you in the long term is to save up money that can be used to make down payment on the loan. This way you can get car finance with fair credit score at rather good terms and conditions. When you make the down payment the amount you are taking on loan will be reduced as well.

Normally the dealers determine the down payment on the basis of your credit score. It has been usually seen that when people have bad credit records they have to make larger down payments. The next thing that you need to do is to check if there are any mistakes in your credit report or not. This is an important step for people who are looking for car loans for self employed. You can get a free copy of your credit record from any one of Equifax, Experian, and TransUnion, which happen to be the three biggest credit unions of the United States of America.