If you live in urban area then you must have a car. If you don't have then you are thinking about the car. There are many reason for which you would like to have a car. Getting the kids to school, doing the shopping, getting to work as well as there are many tasks where you need to go far away from your home and on that point of time you will need four wheelers.
You can fulfill your dream about your own car even if you are in bad credit. But its sure that you don't have sufficient amount to buy a car as you are in bad credit. But you can take a car loan even in bad credit. In this situation, when you are in bad credit then you have to be very careful as you figure out a way to finance your car. But don't think that you can't get the car loan, even with the bad credit.
You should check your bad credit history to see exactly why you have bad credit. You should explain your credit report properly to the lenders so that they don't immediately reject you. You should also gather all the materials (pay checks and other proof of employment) that will help counteract your bad credit ratings.
If you have a good recored regarding your accounts in any bank then you can approach to the Loan Officer of that bank. Even though, you may have declared bankruptcy or run into other bad financial situations. They could be willing to offer you loan because you have been a steady customer over the years.
If you don't have any such banks where your relation is good then you should visit several credit agencies and banks in your place to ask about bad credit car loans. Always, be honest about your credit rating and explain why it is bad.
Ask about the repayment choices for bad credit loans. It may be possible they will offer you high interest rate in compare to the normal interest rate. So, you should plan your budget and then accept. If you will accept the bad credit loan out of your budget then you may get trouble in repayment of that bad credit loan.