Auto Loans are sometimes hard to get approved for. One way to get approved quicker is to get someone that you know and let them co-sign for you. This is will enable you to get the loan a lot faster than you would by yourself, especially if you have bad credit. Another way to get approved for a loan is to use collateral. If you have something that is worth the same amount or more than your loan, then some companies will use that when you apply. You can get approvedwith good collateral. I used some expensive jewelry that I had as collateral and got approved.