There have been several signs that the economy is on its way to recovery, and it even looks as though lenders are becoming more likely to approve consumers. Despite the encouraging signs, many Americans are still skeptical that the economy is really turning around and think it may be difficult to obtain an auto loan in the coming months.

A recent study from FreeScore.com examines just how pessimistic the American consumer is. Researchers found that 66 percent of respondents believe it will be more difficult, or at least as hard, to be approved for an auto loan in 2012. Furthermore, 31 percent said they were less confident than they were in 2011 about their ability to be approved.

The results are bit surprising given the current economic climate. In particular, figures have shown that it's actually becoming a bit easier to get loan. For instance, an Experian report said that the rates for a new vehicle loan fell to 4.52 percent during the fourth quarter of 2011, which is the lowest figure since 2008.

Part of the reason that consumers feel less confident about their ability to obtain a loan may be because of their behavior. The study found that 31.9 percent of respondents did not check their credit score before their most recent auto purchase.

"Knowledge of credit scores in advance of an auto purchase can help consumers in the loan process," said Carrie Coghill, director of consumer research for FreeScore.com. "Additionally, those who know they have good scores are in a stronger position to negotiate a better deal."

Any worries about getting a loan will be quelled at New Jersey State Auto Auction. Thanks to a partnership with the Credit Acceptance Corporation, NJ Auto is able to offer guaranteed credit approval.