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Can a credit score of 670 get me a car loan?
I’ve been driving around my mom’s hand-me-down since I first got my license a few years ago. I think I’m ready to get my own car! Will a 670 credit score be enough to get approved for a car loan?
Tiffany Leung · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
You must be so excited to shop for a new car!
The good news is, with a credit score of 670, you should be approved for a car loan. Most lenders require a credit score minimum of 661.
Since this is your first time getting a car loan, here are a few tips to ensure you get the best deal:
- Compare multiple offers to see which lender can give you the best interest rates
- Pick the shortest loan term you can afford, ideally less than 60 months
- Consider the customer service since you will be dealing with the lender for a few years
- Don’t get pressured to take a high interest rate as it would increase the total amount you spend on the car significantly
Before you go car shopping, try to get loan pre-approval so you have a better idea of your budget. This will also give you more confidence in negotiating a deal.
Once you get your new car, don’t forget you’ll need your own car insurance policy, as well! It’s illegal to drive without it.
The licensed insurance broker app
Jerry
can help you avoid long forms, phone calls, and wait times. Sign up with Jerry and you’ll have access to competitive quotes from top providers in less than a minute. Users save an average of $887 a year on car insurance.View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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