The good news is that low interest auto loans programs exist. It is true that some car finance companies are more than willing to offer low interest auto loans thereby making it possible for many borrowers with excellent credit status and strong financial condition to be eligible for a loan that fits in their budget and also fulfils their finance requirements. However, as precisely indicated, car loan with low interest programs may be available only to individuals who have excellent credit history, good income and who are also willing to make a substantial amount of down payment. Such individuals are considered low risk borrowers who are more likely to make regular auto loan payments and hence do not put lenders at much risk. If you have good credit history, you can consider applying for such loans. However, in case of having bad credit score, you may not be eligible to secure such loans. In this case, applying for special auto loan online could be a wise move. Remember, suitable auto finance solution is available almost for everyone today. All that you need is a reliable expert assistance to get access to best lender who has right auto finance deal to offer for your credit circumstances and budget. Credit history plays major role in affecting the type of loan that you get and your chances of securing approval as well. As aforementioned, good credit score certainly makes it easier to secure affordable auto loan. But, you may not be able to qualify for low interest car loans with bad credit. In other words, interest rate offered to someone with good credit history tends to be lower than rate offered to someone with low credit score. But, in this case, you should try providing a large amount of down payment and even involving a creditworthy cosigner to improve your eligibility for more affordable car loan. On the other side, you should consider doing extensive online research to find best lender who offers cheapest rate for bad credit auto loan. However, to find such a lender through the less time-consuming and less rigorous process, you should take expert support from a reputable and absolutely reliable online automotive finance service. Interestingly, these services are connected with ever expanding online network of lenders who offer perfect car finance solution for every credit situation and hence are able to help borrowers with bad credit history to save money on their interest rate.