You may be here if you have bad credit and are looking for bank auto loans. People with bad or no credit have a harder time obtaining a car loan than people with good to excellent credit. However, do not fret if you have really bad credit because there are options available to you. People have different reasons for having bad credit, such as irresponsible spending habits, or unexpected medical bills. Regardless of your situation, there are lenders that are available to people with less than admirable credit ratings. These lenders specialize in bank auto loans for people with bad credit and will be able to work with you so that you can obtain a loan for a new vehicle. Your credit history is not the only determining factor when trying to get approved for a loan. Besides your credit history, some things that a private auto loan lender will look at are; current monthly earnings, duration of job, residence time and your overall financial situation.