Many people are just now recovering from the desperate circumstances of the economy and while it can be difficult to overcome financial issues such as overdue credit cards or loans and obtaining a car loan after not making payments on some bills for a time can be difficult but not impossible. One of the best things to do is take a look at a credit report and make sure that there aren't any significant issues still remaining such as overdue bills and things that haven't been paid or are in collections. It is vital that a person have no active collections activity.