I'm like many people out there, I have bad credit. Like many people I have two jobs that just give me the 40 hour work week I need to eat stone soup 7 nights a week. So, when I needed to purchase a new car after my first one died on the side of the road, I was understandably concerned about how I was going to afford the cost, or if I’d even be approved for car loans.

Fortunately, there are a lot of companies out there willing to deal with people, like myself, who have a less than stellar credit rating. In my case, my credit score hovers just under 614. Thankfully, I am not by myself! I am in a category with over 40% of my fellow Americans who would be considered for sub-prime loans. Just because we have poor credit does not mean we are left to be ignored by financial institutions who would decide our collective fates! Or at the very least, whether or not we can get a new car to replace that old jalopy we are currently driving.

There are literally hundreds of sites devoted to sub prime auto loans. We may pay more in APR than a typical borrower with good credit, but it’s fairly easy to find manageable rates with companies who are in business for the sole purpose of making an auto loan happen for sub prime borrowers.

So where does that leave me and my aforementioned car dilemma? Well, I did a quick search on Google for car loans with bad credit. My search turned up a site with a free application process and after only a few days, I was contacted by a local Honda dealership and they told me that my application was approved! Even with a 609 credit score I was able to be approved! Now I have a brand new Civic, and because of the financing I got, my payments are manageable and I don’t have to worry about getting a third job!

Bad credit happens. But don't let bad credit stop you from getting the most out of life!