I find that whenever I need to apply for a loan I drag my feet until I can’t put it off any longer. I once went into my long time bank to apply for an auto loan, waited the week they said they needed to look over my application and then went back when they didn’t bother to call to let me know their decision. When I got there the loan officer dug around to find my application and decided then that she could approve me for the “full amount” I’d asked for – $500. That was only 10% of what I had requested! When I pointed this out she practically choked and declined me with an arrogant, “Oh no, I couldn’t approve you for that much, dear”. How humiliating! I knew going in that I might be declined but I though it would be a simple no, not a condescending put down. I inquired about the result if I got a co-signer and she again said I could get $500 and suggested she was doing me a favor with that much. I don’t like to have to beg for a loan – I’m going to pay interest and I deserve to be treated decently by whoever loans me the money. That was 15 years ago and things are a lot easier nowadays. It isn’t necessary to go through this kind of embarrassment. You can apply for an Auto Loan online from anywhere in the country if you want. No more sweating trying to think of the answer the loan people want to hear while under pressure. Another great thing is that loan officers are willing to work with you to get you a loan no matter what kind of credit you have.