When it comes to an auto car loan, you will want to think about taking many actions before you file your application. The first step to getting an auto car loan is to check your credit rating. When you go for your credit rating you are able to know exactly what your chances are. You need to have at least a 640 to be considered in good credit, however, the higher the rating the better off you will be. In fact, most of the time, if they get a good credit report back for you, you will more than likely get an instant approval. However, if you do have an "iffy" credit rating, you will find that it will take much longer. Not only do they look at your credit rating, but also a lot of other personal things. Everything that you do will affect your chances of getting an auto car loan. When it comes to giving out loans, the creditors need to know that you can and will pay them back. The interest that they charge you will give them some added insurance. You should know that there are three main topics that you are judged on and that you need to make sure that you have nothing negative in your file. You are basically judged by your character, capacity, and capital. You will also find that they need to know where you live, how long you've lived there, what your assets are, what your assets are worth, how much you have in the bank, how much you make a month or year, if you pay your bills on time, your employee history, and your debts. They need to know practically everything before they are willing to give you an auto loan. First, you need to learn how to build good character. To do this, you have to have integrity. You have to pay your bills correctly and on time. You have to go the extra mile to do honest transactions and you have to make sure that you have an outstanding character when it comes to your finances. To help you based on capacity, this is where they compare your debts to your credits. They need to make sure that you have more credit than debts so that you will be able to have a high credit rating. Basically, you should never have more than 2/3rds of your credit used up. Even half of your credit used could make a mark against you. As for capital, there is not much you can do. You can get some extra credit cards just to have more credit to increase your capacity, but as long as you don't ever overdraw or forget a payment, you should be financially secured if you can focus on building good character.