Here's 3 quick tips to saving money when buying a car with less than perfect credit.

Negotiate Your Rate. Many people don't know that dealerships can add percentage points to your auto loan rate, especially when you're buying a car with less than perfect credit. The difference between the rate that you are approved at (your actual interest rate) and the rate that they can get you to pay results in a profit for the dealership. They are paid money by the finance company if you agree to pay a higher interest rate than the real (lower) rate that you are approved at. So make sure that you test this and reject the first interest rate that you are quoted by a dealer. You may be surprised at how easy it is to get a lower">http://ezinearticles.com/?Buying-a-Car-With-Bad-Credit---How-to-Get-Approved-Online-For-People-With-Low-Credit-Scores&id=3012035">lower interest rate, if a dealer thinks that a car sale is on the line.

Negotiate on Price. Rather than negotiating your payments, you should focus on the price of the auto. Salesmen are trained to keep you thinking in terms of payments, rather than price. The reason is that when you buy based on car payments, you really don't have any idea what the actual sale price or interest rate is, until you sign the contract. You'll save a lot of money by remembering this and not letting the saleman get you distracted from the purchase price or trade difference.

Avoid Finance Add-Ons. The finance department in the dealership makes hefty profits on the sale of extended car warranties, gap insurance, credit life insurance and other finance add-ons. Frequently, people with less than perfect credit feel pressured into purchasing these products. You don't have to and it's against the law for a loan officer or financial institution to reject your loan because you refuse to purchase additional finance products. You'll save money by purchasing these products direct from the companies that offer them.

Find legitimate auto loans for bad credit at www.BuyingCarswithBadCredit.com.