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What does a 610 credit score car loan look like?
I’ve lived in the city my whole life, but after moving for a new job, I’ve realized something important: I need a car. I think a loan would be the best option for my budget. Is 610 a good credit score for a car loan?
Max Werner · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congrats on the move! Although a 610 credit score isn’t great for a car loan, with some savvy shopping, you should be able to find a loan that meets your lifestyle and budget.
Credit scores are useful for lenders as means of assessing risk. The higher your score, the more dependable you are—granting access to competitive interest rates and loan terms.
To get approved for the most competitive interest rates, most lenders require a credit score of 661 or above. It’s still possible to secure a loan with a 610 credit score, but most lenders will offer higher interest rates—around 8%—and a longer loan term, which means you’ll end up paying more in interest than those with shorter loan repayment periods.
To find the best deals, visit a
credit union
. As privately-owned institutions, credit unions tend to have especially competitive rates compared to larger banks.Once you get your new car, choosing the correct
car insurance
is a great way to offset the cost of your loan. Use Jerry
to ensure you’re never overpaying.A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even help you cancel your old policy. No hassles. Just savings.
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- Gregory R.
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