Whats A Good Credit Score To Buy A Car | Full

A good credit score to buy a car in early 2026 is generally , which places you in the "prime" credit category. While there is no universal minimum score required to secure a loan, borrowers above this threshold typically qualify for standard interest rates and account for roughly 69% of all auto financing . Average Credit Scores for Car Loans (Q4 2025)

Lenders typically have higher standards for new car loans compared to used ones. According to latest data from Experian : : 753 (Very Good) Used Car Loan Average : 689 (Good) Impact of Credit Score on Interest Rates (April 2026) whats a good credit score to buy a car

: This is a common threshold for traditional lenders. Below this, you enter "near-prime" or "subprime" categories where rates can jump by 3% to 5% . A good credit score to buy a car

: On a $30,000 loan over 60 months, an excellent credit score can save you over $9,500 in total interest compared to a poor score. Factors Beyond the Score According to latest data from Experian : :