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Can a credit score of 680 get me a car loan?
I’ve been shopping for a car and finally settled for one I like, so I’ll be applying for a car loan soon! I currently have a credit score of 680. Is a 680 credit score enough to get approved for a car loan?
Tiffany Leung · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Getting a new car is always so exciting!
Most lenders will require a credit score of 661 or above to be approved for a car loan. So with a 680 credit score, you should have no issues getting a car loan.
When getting a loan, there are a few factors you should consider:
- The lender — You have the option of getting a loan through a bank, credit union, or your dealership. Which institution you go with could depend on the size of your loan and which lender can give you the best deal.
- Loan term — This is the period you will be paying back your loan. You can adjust the loan term based on your budget. While a longer loan term means smaller payments each month, it also means you will be paying more interest over time.
- Interest rates — The average interest rate is 5%. You will want to get the lowest interest rate to keep your total cost as low as possible.
Once you get your car, you’ll need insurance to protect your brand-new purchase.
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- Gregory R.
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