or an auto loan or any other kind fo loan from the bank?besides good credit..what other factors?

You got the first thing. Good credit. The other things you will need is a Job that makes a certain amount of money that will depend on how much they will loan you. You should also be at that job for at least two years. Then a permanent address a bill in your name like a home phone or water bill etc. You may also need a copy of you W-2s as well.
Once you get all this stuff together and you will be good to go. Good Luck on your loan!

Good credit and the ability to pay it back.

seriouslyImAnormalguy007, Try getting a free online auto loan quote. http://goodinternetdeals.com/Auto-Loans.html The automated form will let you know if you can be approved. It will only take a few minutes.

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l am Rose Williams, six months ago my only son took ill, he was
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Best regards,

Mrs. Rose.

You need good credit, and if you own a home, that is tops.
Also helps if you can prove that you have a steady job, have been at your home for a long time, are married, kids etc.