In the US, most people are troubled by a bad payment history. They cannot pay off debts on time or miss mortgage payments. This leads to a bad credit score. As a result, traditional banks and lending institutions reject car loan applications. Then, does that mean that you cannot own a car? You can. There are several web based companies offering auto credit loans to people with a poor payment record. These companies are there to help out and do not reject your application on the grounds of a poor score. They have a simple application process so that you are pre-approved before walking into a dealership. Here some useful tips to get easy approvals. Keep reading this article to learn more.