Every Harbor Credit car loan application is approved on an individual basis. That means each customer, whether they have good credit, bad credit, or something in between, will be contacted by a lending institution to discuss their car loan. If there is a lender in our coverage area that can help, we promise they'll contact you to discuss the details of your application. To help speed the process, we recommend keeping an up-to-date credit report on hand, along with information regarding the new car you are interested in.