Bad Credit Loan Online

I could really get a car loan online for bad / fair credit?
im looking to buy my first car at 20, but I have poor / fair credit. I would like to find a place that will accept me. I know every time someone checks your credit it lowers your score, and this is how my credit was so low in the first space. so I want to be sure I will be approved before I lower my score more. These loans are real? how do they work?
Go with a large bank that gives loans online (Capital One, HSBC). You will probably get a loan, but interest rates will be very high and the loan amount will be small.