A financial institution will have, or already has, a relationship with you. You may go to your neighborhood bank, a major national financial conglomerate, or a credit union.

Not everyone you meet will be there for you through all of life’s ups and downs. However, you will have a small group of friends who will support you in your failures and lead you through difficult moments.

Lenders want to know that you can pay the monthly payments, plus interest and insurance. If you can show proof of debt management and affordability, you’ll have a far better chance of getting authorized, even if you have a bad credit score.