Auto loans are for people with bad credit auto financing. Auto Financing is one of USA and Canada's leading auto buying and sales services for people who need poor credit rating auto loans. Auto Finance provides poor credit rating auto loans through partnerships with direct lending institutions and a nationwide network of participating auto dealers that specialize in auto loans for people with poor credit rating. Bad credit auto financing car finance can be seen as a second chance for people who have previously failed to keep up with repayment structures specified in their credit rating agreements. Due to their lower credit rating score these customers represent a higher risk to a lender, and as such, poor credit rating car finance generally comes with a higher rate of interest than a standard loan. The risk is calculated by looking at the history of credit rating of the customer and looking at how likely it is they will miss payments or default on a loan.