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Can I get a car loan with a 680 credit score?
I bought my first car the summer before going to college and have driven it every day for the last eight years. With close to 300,000 miles, it finally reached the point where it’s no longer worth paying for repairs. I want to buy a new car, but can I get a car loan with a 680 credit score?
Jack Walsh · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Having a car make it to the 300,000-mile mark is impressive, and it certainly sounds like it’s time for a new car!
The good news is that getting a
car loan
with a 680 credit score should be no problem. In general, standard lenders prefer applicants to have a credit score of at least 661, so having a credit score of 680 puts you in a favorable position.Most lenders should approve your application, but to find the best rate, you should shop around and compare offers from multiple lenders. Consider submitting applications to:
- Large national banks
- Local banks or credit unions
- Online lenders
- Dealerships
Don’t forget you’re also going to need a
car insurance
policy with comprehensive
and collision
coverage. Considering you put 300,000 miles on your previous vehicle, it’s clear you care about your car, and you should find an insurance company that cares just as much.To quickly and easily compare quotes from over 50 different insurance companies and purchase a new policy, download
Jerry
.After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to. They even help cancel your old policy! So why do all that extra work when Jerry can do it better?
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- Gregory R.
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