What credit score do I need for car finance?

Written by Editorial Team | Last Updated: August 2026

Auto financing is widely available across various credit tiers, meaning you can secure a car loan with a subprime credit score starting as low as 500 to 550, though your interest rate will be considerably high. To qualify for prime lending tiers, tier-one financing deals, and promotional zero-percent or low-interest manufacturer financing programs, buyers typically need a credit score of 700 to 740 or higher alongside stable income.

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