(NAPSI)-Credit is an important key in determining how much car shoppers will ultimately pay for a vehicle. However, experts say they should actually shop around for dealers who offer special financing programs the same way they'd shop around for vehicle type.

Contact a credit agency to get a copy of your credit report and credit score, so you have a better idea of what to expect when it comes time to talk financing.

Web-based tools can help, too. For instance, an automotive classifieds Web site called AutoTrader.com has a new Credit Center for car shoppers with poor credit. While some similar sites require the disclosure of confidential and personal information, the Credit Center Car Credit Wizard asks less than 10 general questions, helping to preserve a shopper's privacy.

Once the Wizard questionnaire is filled out, you'll receive an estimated credit level-"excellent to good," "good to fair" or "fair to poor." You can then search among a list of local dealers who can assist with financing solutions that meet your needs and are organized in order of geographic proximity.

The site offers additional features as well, including:

• Know Before You Go-A "Dealership Preview" of what to expect when you walk into the dealership and how they will likely work with you to help you drive away in a car you can afford.

• Learn Before You Look-Learn about leasing, tips to improve your credit, and the basics of buy here, pay here financing.

• Come Prepared-A pre-visit checklist to ensure you bring what you need to the dealership, such as your driver's license, down payment, utility bill, paycheck stub, proof of auto insurance and other financial information.

For more information, visit www.autotrader.com.

In The Driver's Seat-Web-based tools can help car shoppers with less than perfect credit find an affordable vehicle.