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What's the top tier of credit scores for a car loan?
I want to get the best loan possible and I have a 790 credit score. Is this in the top tier of credit scores? What interest rate should I expect?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
A 790 credit score is excellent! This puts you what’s considered the top tier of credit scores, also known as the super-prime range. You’ll be eligible for the best interest rates around—provided you have steady income that can support the loan and a debt-to-income ratio at or below 43%.
As of September 2021,
car loan
interest rates for those with superprime credit are 3.24% for new car loans, or 4.08% for used car loans. These are subject to change based on the length of your loan: the shorter you make the loan, the lower the interest rate you’ll get.Shop around with a variety of lenders to find the lowest rates possible. Businesses to investigate include:
- Online lenders
- Banks
- Credit unions
- Dealerships
Make sure your car insurance premiums don’t interfere with your ability to pay off your loans. Use
Jerry
to compare quotes across providers and switch to a cheaper policy.View full answer
- Gregory R.
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