Trying to find a lender that specializes in financing auto loans is easy to find if you go online. A lot of lenders that offer auto loans including bad credit car loans have applications right on their website so that you can apply electronically for hassle free auto loans. This saves a lot of time since in previous years before the internet you had to drive around to multiple dealers and lenders, fill out application and wait to hear back. If it was a dealership, you would have to wait while they set the paperwork to the lender, get it approved and then contact you.