When you apply for a car loan, lenders immediately want to know just how likely it is that you are to pay back their loan. They answer this question for themselves by having a look at your credit score. This situation is fine if you have an excellent score. However, if you have a bad credit score, it does not work in your favor. If you have a bad credit score and no money for a down payment, here are 5 tips for qualifying for a 100 percent financing bad credit car loan.