In today hard times credit is needed now more than ever. If you don’t have good credit than your more than likely not going to get a car loan on credit. Car loans use to be so easy to get but now besides have a stable job you really have to have a good credit history. Dealers use to prefer cash paying customers but now it pays to have credit. This is because the dealer is not only selling the car but he’s also selling the customer a car loan on credit. This will result in two areas of commissions for the dealer.