A guaranteed auto loan enables you to shop for a car, new or used, with the comfort of knowing that your loan is guaranteed and that you will not have to worry about getting approved for the loan once you find a car that you like. Guaranteed auto loans are an excellent bargaining chip when you are shopping for a car as they will state how much money you have already been approved to spend. If you have ever haggled over the price of a car, you understand that you have more leverage if you are paying cash. The sales person will be more inclined to give you a better deal if he or she knows that they will not have to worry about you getting financing if you have a guaranteed auto loan.

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