The only clear path to a car loan that you can afford is to improve your credit score. Our credit scores play a massive role in what kind of loan we are offered. If your score needs some work, take comfort in the fact that you can make improvements on this by taking some basic actions to heart.

You should pay down your credit card balances whenever possible. A lot of people carry balances month after month. This is dangerous for your credit score and is costing you a lot of money. Get that part out of your life.

Also, try to look at how you can pay down more than the minimum payments on your cards wherever possible. You may be surprised to learn just how much getting a little extra chunk paid down can make a big difference on that three-digit score that determines so much in life for you.

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