When you apply for a car loan direct to some online lender, primarily they like to know if you are in bad debts or not. Second, they like to review your credit score. If you are in bad debts and have a negative credit score, then you have to agree upon a loan with higher rate of interest.
Another constraint that makes your loan rejected is the errors. You must not have reviewed the credit report for years and that is a big mistake on your part. You must review it annually, as there are high chances to share a possible number of errors.
Therefore, before you apply for an auto loan you must start reviewing the credit report to remove the errors. Though you have a bad score, subprime lenders will give you a loan, but the errors can be a big hindrance so remove it to make your loan easily acceptable to the lender.
You can review the credit report from Equifax, TransUnion or Experian. The credit report reviewer often makes mistakes if they find a person with similar name, and they fail to identify the individual to be different and mark the bad credit upon one person. These errors at times adversely affect your credit number. Therefore, have a watchful eye on such content and move ahead for a loan application.