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But with secured auto loans you are supposed to pledge collateral against the loan and in most of the cases the car you are buying is the best option. High Interest Rates Even though you have bad or no credit, you should still be able to get a decent interest rate. Then, with your monthly payment range and down payment information factored in, they'll show you cars that fit your financial situation. 2. The best way to get a good deal is to shop around and compare the various rates available from different vendors. You therefore "buy" the car at the dealership and "pay" on the loan at the dealership. Over time, your credit score can improve. However, these loans generally come with high interest rates and.


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