If your credit score is low due to a First Time Buyer and you would like to finance a car or truck in Washington State (new or used) you will usually be required to pay a much higher rate of interest. In spite of this, it is very important to take into account that not all vehicle loan programs were created equal. The the reality is there are a number of programs that happen to be much better than others. For this reason it is essential to seek out approval from multiple lending sources. This is what the right dealer will do for you.