Credit is a key factor when an auto shopper is trying to figure out how much they will pay for a car.  However, according to experts, people should look at various dealers to compare special financing deals.  This is as important as shopping around for a car type.

It is important to request a copy of your credit report and score through a credit agency.  This will give you a better idea of what you will be dealing with when you talk about financing.

There are web-based tools that you can look to for help.  For example, AutoTrader.com is a website for classifieds that actually has a credit center for people looking to buy a car with bad credit.  And while other websites of a similar nature require the consumer to disclose personal and confidential information, the credit center only asks general questions to give the shopper privacy.

After you fill out the questionnaire, you will get a credit level that is estimated excellent, good or fair.  Next, you can do a search among car dealers in your area that can help you with your specific financing needs.

The key is to be prepared when you walk into the dealership.  Websites are a great way to arm you with knowledge.  You can learn all about car prices, credit scores, and prices on an auto warranty and roadside assistance.  You want to do your homework so that you can get the best deal you can on the car itself, financing and new car warranties.