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: It is below the average credit score for both new-car loans ( 753 ) and used-car loans ( 689 ).
If you need to buy now with a 645 score, these strategies can help you secure better terms: What Credit Score Is Needed to Buy a Car? - NerdWallet is 645 a good credit score to buy a car
A credit score of is considered a "Fair" score for buying a car as of April 2026 . While it is generally high enough to qualify for an auto loan, it falls into the "Nonprime" or "Near Prime" category (typically 601–660), meaning you will likely pay significantly more in interest than borrowers in the prime range. Is 645 "Good"? : It is below the average credit score
: Most lenders consider 661 or higher as the threshold for "Prime" credit, which unlocks much better interest rates. Expected Interest Rates (APR) While it is generally high enough to qualify
: By FICO and VantageScore standards, 645 is squarely in the Fair range (580–669).
Borrowers with a 645 score typically face interest rates that are roughly than those with prime credit. Average APR for 601–660 Score Average APR for 661–780 (Prime) New Car 9.57% – 9.83% 6.27% – 6.70% Used Car 14.46% – 14.49% 9.06% – 9.98% Tips for Buying a Car with a 645 Score