For anyone that has ever went shopping for a new car, it is obvious that there is a lot to consider before making the purchase. Most people like to consider the type of car they would like to drive first and then worry about how to pay for it.  When shopping at a dealership, you will be able to apply for a loan on the spot, but if you have bad credit, you might want to consider applying for Car Credit prior to picking out the car of your dreams.  Since it can become quite an involved process when doing it at the dealer, getting it done ahead of time is a good idea.