The Wall Street Journal makes the point that home loans and auto loans are as easy to get now as they have been in the last 10 years. Apparently underwriting standards have been loosened a little bit for those whose credit is not perfect.

See: http://online.wsj.com/news/articles/SB10001424052702303325204579465611596949206

See also:

http://www.moneycafe.com/personal-finance/auto-loans/

http://www.moneycafe.com/personal-finance/mortgage-rates/