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.

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.