How bad do you want that Chrysler PT Cruiser? If you're credit rate is in good shape, you can apply for a car loan anytime and you might just be the next owner of a brand new Chrysler PT Cruiser. You may check out your options by asking different Chrysler PT Cruiser dealerships. Inquire about their auto loan schemes, assess it if it's workable for you and then look around some more . Don't settle for the first deal you receive. Learn to negotiate, haggle like an expert. One good move would be to go to visit an auto financing company. You can get a clean-cut loan which is as good as cash. Then, you can go back to your Chrysler PT Cruiser dealers and renegotiate this time as a cash customer. This time around, you'll see that the interest rates won't be as high.