Finally, the last way to obtain a car loan that you should ever consider is by walking into a shady looking dealership that has signs that promise to finance anyone regardless of their financial situation. Not only are these people glorified loan sharks, but there will be absolutely no guarantee over the quality of the car that you buy (or even if the title is legitimate). By working with one of these companies, you put yourself in a very risky situation and could find yourself in a worse situation than just having a bad credit score.