Due to the increase in the prices of commodity, it may already be difficult to buy your own car. Thus, since car has already become a necessity, you may consider applying for a fair credit car loan. Nevertheless, you have to be aware that applying for any form of loan from any lending agency or bank will definitely not be an easy process. However, there are techniques on how to speed up the process. First, you have to identify the peak seasons in applying for car loans. Avoid applying during the peak season because you will be competing with lots of other applications. Be realistic. You have to know how much you can afford. Always remember that you will be paying for this loan every month. The monthly premiums will be added to your other monthly expenses. You may also consider buying a second-hand car so you will have a smaller monthly due.