Think the economic crisis has put an end to car loans? Think again.

Not only are loans still available, but companies are hurting to the point where they are willing to offer better rates than ever in order to get you to sign with them. So if you are in the market for a new car, don’t let sellers pressure you into a bad deal with the argument that “you won’t get any better out there.”

When shopping for the right car loan, you may be better off doing so online. Companies like Capital One Auto Finance and CarsDirect Car Loans offer a variety of plans to fit your budget and credit history. If your credit history is particularly bad, though, you may want to do as much as you can to clean it up before you apply for a loan, so you can get better rates. Always get a copy of your credit report and credit score before you head to the dealer. If you’re shooting for a 0% APR, you need to make sure you have the right credit history to support that amount.

Even if you receive a high loan interest rate, you should be able to negotiate and refinance it (sometimes immediately after getting it) by going online at places such as FirstAgain.com.