Check your credit report from Experian , Equifax, and TransUnion.

A substantial down payment—ideally —is one of the most effective ways to lower your interest rate.

Removing incorrect missed payments or unknown accounts can provide a quick score boost.

Borrowing less naturally leads to more manageable monthly payments. Buying a Car With Bad Credit: 5 Ways to Move Forward

Lenders prefer a ratio below 35% (excluding housing). Paying down credit card balances just before applying can significantly help. 2. Save for a Larger Down Payment

It shows lenders you are serious about repayment and reduces their financial risk.