Shop around for the right lender. If you have bad credit, consider companies like Ally, AUTOPAY, Carvana and Oportun, which all offer loans to people with poor credit and do not require you to submit your credit history for approval.
Fill out an online pre-approval form with basic personal, financial and vehicle information. You’ll need to have certain information on hand, such as proof of income and, possibly, your Social Security number.
Review and compare quotes to find the one that fits your budget.
Complete a formal application for your loan and wait for approval.
Receive approval and funds; the length of the financial process depends on your provider.