Below-average credit will have an impact on the way you live. It usually is the result of a amount of things, such as late payments in your credit cards, in your car payments, or your house, overusing credit, declaring bankruptcy, and others. Ultimately, these incidences will affect your credit rating negatively and often will incorporate some equally negative consequences against your future. For those individuals who are hoping to get a car, a poor credit rating will prevent you from finding a car loan package. Fortunately, you will discover bad credit auto lenders which will manage to give you a hand. Why would you need a car loan package anyway? Before anything, it's a must to know that the everyday price of the normal car today can run into hundreds to thousands of dollars. With the average employee not earning enough on every paycheck to pay for the lump sum payment of a car, buying one outright might be difficult. Fortunately, auto loan specialists are capable of helping by providing folks with financial packages which will enable them to select the car without needing to shell out for the full amount immediately. These packages usually requires someone to pay in monthly payments (or whatever is specified) for a period of time until the value of the automobile is compensated completely.