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Can I get a car loan with a 736 credit score?
I always try to stay on top of my credit report. When I pulled it last week, it had gone up to 736, which is the highest it’s ever been. Because of this increase, I figure it’s a great time to get a car. But can I get approved for a car loan with a 736 credit score?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congratulations on your all-time-high credit score! You can easily get a
car loan
with a 736 credit score, as it puts you in the upper tier of prime borrowers. With a prime credit score, more lenders are willing to work with you, which gives you more options to find the lowest interest rate possible.That said, lenders look at more than just your credit score when approving car loan applications. While a 736 credit score will improve your odds, you also need:
- Steady income
- A debt-to-income ratio (DTI) of 43% or less
- Down payment (if necessary to improve your odds of approval)
If you have a decent DTI, a down payment, and enough income to support the loan, you should have no problem getting a car loan with a 736 credit score. Just make sure to shop around to find the best rate possible.
And just as you would with your car loan, shop around to ensure you get the best rate for your car insurance. To make the process easier and quicker, download the
Jerry
app.As a licensed broker, Jerry helps you find and compare quotes from over 50 top providers in minutes. When you find a better rate, Jerry can help you buy your new coverage and even cancel your old policy!
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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