Although buyers with the best credit rating will often receive the lowest interest rates when they decide to enter into a car finance situation, you might be surprised by some of the other questions a financer will ask when determining if you qualify for a loan. Often one of the first questions is how much you have for a down payment. This will determine the size of loan you need. Second will likely be a request of the lender to access your credit report. In addition a job history and place of residence will be a recorded.