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ok my girlfriends credit score is only a 633 and she is 20. she has very limited credit history. Bank account, cell phone, debit card & a secured credit card for 4 months thats about it. We have been to a few dealerships and they all says she needs a cosigner and she doesnt have one so I was wondering what it takes to get a loan? I know a bigger down payment helps some she is looking in the range of 9,000-15,000. She is a full time student and works full time making about 25,000 a year. any suggestions?  

Getting approved for a auto loan all depends on the bank you apply at.  Some banks require great credit in order for you to qualify a loan.  There are also banks who are more lenient.  They look at your income, and debts.  Credit is less of a matter in these types of banks.  You just have to ask the bank what they look for when approving an autoloan.  I hope you find what you're looking for.  

Hi David, if you live in Toronto, Canada. I have few clients who specialize in bad credit car loans, they are located in Whitby Ontario. With a credit score of 633 that is certainly high enough, age should not be an issue at all. It sounds like she has new credit due to lack of credit history.

It is common scenario when you first come out of the school. You can visit their web  site at Bad Credit Car Loans and submit a credit application, she should get an answer within 24 hours.