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Is a 630 credit score good enough for a car loan?
My old car just died on me and I need to buy a new one. The problem is that I don’t have the best credit score. Can you get a car loan with a credit score of 630?
Holden Easterbrook · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Don’t worry! While a credit score of 630 isn’t the best, it’s far from the worst.
A 630 credit score should be good enough for a car loan, so long as you:
- Prepare for high interest rates—Lower credit means higher interest rates, so check to see how much of an additional monthly cost you can afford
- **Get aco-signer**—Having someone to vouch for your ability to pay off your loan (and volunteer to be on the hook if you don’t) will make a lender more willing to offer you one
- Find a loan specialist—There are loan providers that specialize in bad credit and are more willing to work with those with scores like yours
- Try to make a large down payment—A larger down payment will mean lower monthly payments, so start saving as soon as you can
Stick to these steps and you should have a new car in no time. While you’re hunting around, you can also shop for
cheap car insurance
with the help of the Jerry
app.Jerry is an insurance comparison app that shops for low prices with over 50 insurance companies for free. You will get quotes in seconds, and if you ever have any questions, agents are just a text away. The average Jerry user saves $887 a year on car insurance.
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