: While some "buy here, pay here" lots may accept lower, 500 is often the functional minimum for most subprime lenders.
A good credit score to buy a car in early 2026 is generally , which places you in the "prime" credit category. While there is no universal minimum score required to secure a loan, borrowers above this threshold typically qualify for standard interest rates and account for roughly 69% of all auto financing . Average Credit Scores for Car Loans (Q4 2025) whats a good credit score to buy a car
Your credit score is the primary factor in determining your . As of April 2026, average rates by credit tier include: Credit Tier Score Range New Car APR Used Car APR Super Prime 4.66% 7.70% Prime 6.27% 9.98% Non-Prime 9.57% 14.49% Subprime 13.17% 19.42% Deep Subprime 16.01% 21.85% Data sourced from U.S. News and Bankrate surveys. Strategic Recommendations : While some "buy here, pay here" lots
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