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Is my credit score irrelevant if I have a cosigner with good credit?

Does my score even matter if I have a cosigner with great credit? My credit score is around 500, so I need a cosigner to get a car loan. My father agreed to cosign and he has an 800+ credit score.

Eric Schad · Updated on Aug 18, 2022

Reviewed by Shannon Martin, Licensed Insurance Agent.

“If you’re simply talking about approval, your credit score may not matter.

However, your credit score has a profound impact on your

. Just because your father might be able to get a rate of 3% does not mean you will get the same results.

Regarding acceptance of your loan, you will probably be fine, but you’re likely going to have to pay more in interest as a result of your

.”

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What to Look for When Buying a Used Car

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