After receiving a cash infusion from the government, GMAC Financial Services has relaxed its credit standards for borrowers, lowering its minimum acceptable credit score
from 700 to a below-average 621. To further sweeten the pot, General Motors has kicked off what promises to be a series of incentive programs by offering zero-percent financing
on a handful '08 models -- Chevrolet
Envoy and three Saabs -- and reduced-rate financing on a longer list of '08 and '09 vehicles that includes the Buick
Lucerne and Lacrosse, Chevy Malibu and Silverado, GMC Yukon
and nearly every Cadillac
. If you think the loosened restrictions might make the difference in your quest for new wheels, you can check your credit scores at a variety of websites like AnnualCreditReport.com and FreeCreditScore.com.