With the recent problems in the USA, most people have been struggling with bad credit records, and even if you have a clear credit record, some individuals are even still struggling to obtain car loans. In fact, if you have never had credit, or have a recent credit judgement against you, trying to find car finance is becoming nearly impossible. Most lenders are now wary of providing loans to people without any form of credit history, and this is mainly due to the sub-prime crisis. People with bad credit histories, even if they have become regular payers since, are also not the target market that lenders are looking for. However, there are options for people that are struggling. There are lenders that are willing to loan to most individuals, and they offer what is termed a no credit check car loan. This is the best option for those struggling with bad credit histories, as the finance house or lender will not go and check on your history before granting the loan. They are only worried about your current ability to repay, and since most bad credit histories remain on your name for some time, you may have been rehabilitated and still find it impossible to get that credit that you deserve