The lending industry is set up to be convenient for the lender, even lenders looking for car loans with bad credit, to have easy access to the application process.  In order to apply you need only have access to the internet.  After that the process can, to the extent that any application to borrow money is able, be a relatively quick and painlesss process.  You will need to provide a number of items of essential information.  At the very least you will have to provide personal information (your name and address and date of birth), some information about your current employment and some aspects of your employment history (remember the lender is trying to corroborate you with your ability to repay their loan), the loan amount and some details as to the type and model of car that you are looking to purchase.

At this point it is worth noting, especially if you are not already aware, that a bad credit history will have consequences any time that you borrow money.  The reason for this is, as has already been discussed, the lender will see you as representing a greater risk of taking their money and not repaying than they might view someone who has good credit.  This is just a fact and does not reflect at all on you as an individual, it simply reflects that additional risk that the lender sees it might be taking in dealing with you.  The consequence of this is that the interest rate that you are likely to suffer will almost certainly be higher that you might otherwise get if you had good credit.  You may also get charged loan arrangement fees that the lender would waive in the event of you having a better credit standing.

Once made, the application can be approved quite quickly and you will be able to go ahead and purchase the car you desire.  Once done so you simply submit details of the car to the lender who completes the paperwork and secures the loan against the vehicle.  After that you can jump in the car and have fun.

There remain some additional details, but in essence the process can be as simple as described.  Your credit history is only a partial impediment, as discussed, but hopefully you can see that car loans with bad credit are not only possible but relatively easy to secure if you set your mind to the process.