Hi5Cars finance department fights with national and local lenders for your loan, giving you instant access to the most competitive financing terms available. Consider a potential lender the way you would consider a possible business partnership. A good lender will: 1. Base lending decisions on attributes other than just your credit score or a serious credit problem that you may have had recently, such as bankruptcy or repossession. 2. Approve you for a loan that fits your budget comfortably 3. Charge simple interest, which means that you're rewarded, not penalized, if you are making early payments. 4. Report to the credit agencies monthly, making each of your on-time payments a step toward re-establishment.