What Credit Score is Needed to Finance a Car?

When you’re shopping around Delaware and Worthington for your next vehicle, you may be considering financing but wondering, “What credit score is needed to finance a car?” While it can be easy to overthink and stress since your credit score can affect your APR or even whether you qualify for a loan in the first place, there are a range of credit scores that you can fall into that, which will be promising when considering your financing options. Whatever your situation is, Byers Kia is here to offer some insight into the credit score needed to buy a new car.

Average Credit Score Needed to Buy a Car

While the average credit score needed for an auto loan on a new car was 655 to 714, credit scores are broken down into several categories enabling drivers to obtain a loan whether they have a higher or lower credit score. If you do have a higher credit score, you’ll have peace of mind knowing that you can expect a lower interest rate. See the credit score categories below to see where you land:

  • Superprime: 781 to 850
  • Prime: 661 to 780
  • Nonprime: 601 to 660
  • Subprime: 501 to 600
  • Deep Subprime: 300 to 500

How to Get Car Financing With Bad Credit

You can still get quality financing even if you don’t have the best credit score, as this can be a great time to reassess your finances begin to build up your credit again. Follow these simple steps to get your credit score back on track and get the financing that meets your needs:

  • Focus on Positives: People with bad credit can often get a car finance loan by demonstrating positive financial actions. If your poor credit score comes from a business debt but you’ve never missed a car payment, lenders might be more lenient.
  • Bring Proof: You’re more likely to get financing if you can show pay stubs, proof of address, cell phone bills, auto insurance documents, and proof that you’re currently working.
  • Show Collateral: If you own a home or are able to put down a substantial down payment (at least 25%), you’re far more likely to qualify for auto financing and get a good interest rate to boot.

Find Great Kia Finance Deals at Byers Kia

After learning about what credit score is needed to finance a new car, you can check out more Kia finance features like buying a used car vs. buying a new car, or the benefits of purchasing your next vehicle from Byers Kia. Browse our inventory of new Kia models for sale, and count on our finance team to break down all of your financing options and get the process started. Contact us today for more information, or to schedule a test drive and a visit to our showroom near Columbus!

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Byers Kia
Byers Kia
5342 Columbus Pike
Lewis Center, OH, 43035 US
(833) 232-0568
Byers Kia 40.218094, -83.034350.