The credit score for our best auto loan rate 720-850. However, a good credit score is not the only factor in obtaining an auto loan. Loan officers look at how much debt you have, how much available credit, payment history, cadence of credit requests, employment history, assets and stability. Credit is also extended for credit scores as low as 600 but due to other criteria, they may require a co-signer or downpayment and their interest rate will reflect the risk they pose as a buyer.
