: Apply for pre-approval at multiple lenders within a 14-day window . This allows you to compare rates while having the inquiries treated as a single event on your credit report.

: Be ready to prove financial stability with recent pay stubs, W-2 forms, utility bills for proof of residence, and a valid driver's license. Top Lenders for Bad Credit (April 2026)

: Aim for at least 10% to 20% of the car's price. A larger down payment reduces the lender's risk and can significantly lower your interest rate.