Remember, your credit record is not permanent. You will have many opportunities to improve your credit standing by being on time when it comes to the payments of your bills and to refrain from overextending on your loans. By having focus and proper attention to your credit status, you will be able to get yourself reclassified from being a subprime borrower. This will make you more attractive to banks and lending institutions. These are some pointers that you may follow to get that car loan. In just a few years, you will be able to get better loan terms and lower interest rates if you improve your credit score as well as credit history.