While finding new car loans with bad credit is not impossible, it is suggested by many credit experts that you clean up your credit before endeavoring to buy a new car. Many car lot dealers will try to get you to buy a used car instead of a new one.  Other dealers scam you into a high down payment and a high interest loan that realistically cannot be paid off.  However, there are special programs available that base your payments on your income.  Although these programs don’t offer you top dollar loan amounts, they will approve you.  Not only will you get a new car to drive, but you will also help build your credit score for better things to come.