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If your credit is so poor that you have to accept a less-than-desirable loan offer, then make sure to always make your payments on time. Your credit score will improve with each timely payment. With one year's worth of good credit reporting, you should be able to refinance your car and obtain better loan conditions.

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Website: http://www.autocredit.com

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San Francisco Federal Credit Union

"We had a $450,000 mortgage and it cost $12,000 to refinance. By spending that $12,000 to refinance, it's saving us $265,000 over the life of the loan."

Rodger S.

"The CU financed my car loan. Not only that but I don't like shopping for a car. I told the Personal Auto Shopper to look for the car that I wanted and she found it."

Dorothy C.

"We got married, we purchased our first car through the...

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Website: http://www.sanfranciscofcu.com

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