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Is 730 a good enough credit score for a car loan?
I want to get a car loan and my credit score is 730. What credit score do you need for a car loan?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
According to
Credit Karma
, a 730 credit score is considered good. Although it’s not in the top tier, it’s definitely strong enough to garner consideration for a car loan at a good interest rate.However, your credit score isn’t the only determinant of whether a lender will approve you for a
car loan
. Lenders also look at income, credit history, and debt-to-income ratio.Generally speaking, you need to have:
- A steady income (this is up to the lender’s discretion)
- Two years or more of credit history
- A debt-to-income ratio of 43% or less after you factor in the new loan
If you meet these criteria, you shouldn’t have any problem getting a car loan with a 730 credit score.
While you’re shopping around for a car loan, don’t forget to check out
Jerry
for your car insurance needs. In just minutes, you can compare rates from top insurance providers and select a great policy at a great price.View full answer
- Gregory R.
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