Great Credit Score — To Buy A Car

For most lenders, a to buy a car in 2026 starts at 661 , which is the threshold for "Prime" credit. While there is no universal minimum, having a score in this range or higher significantly increases your chances of approval and grants access to competitive interest rates. 2026 Average Auto Loan Rates by Credit Tier

Data based on Experian's Q4 2025 reports utilized in April 2026. Key Benchmarks for Borrowers What Is a Good Credit Score for an Auto Loan? - Experian great credit score to buy a car

Lenders use credit tiers to determine your Annual Percentage Rate (APR). Higher scores correlate directly with lower borrowing costs. Credit Tier Score Range New Car Avg APR Used Car Avg APR Prime Near Prime Subprime Deep Subprime For most lenders, a to buy a car