Answer: -If you already have bad credit then the credit score is not going to change because you apply for credit. No matter who you apply through the credit score will stay the same. But based off your credit score the finance rate will go up and so will your down payment. Guess i would go to my own bank and take out a loan and pay for the car in cash. -It won't really affect your score as much as you think-I would find the car that I wanted and then ask about their financing programs, believe me they will try as hard as possible to get you a loan-that's the only way they will get paid for the car! -If you have a poor credit score, it is difficult to get a loan from most banks and financial institutions. Credit is usually available only at a very high interest rate.Only few companies provide loan with poor credit score.Check out link for details. -Start a new credit file. Go to the Social Security Office and request a 'Tax ID Number' and apply for your loan with it. You may want to check out edenpress .com for books on this subject.