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Can I get a car loan with a credit score of 597?
My old car finally bit the dust, so I have to buy a new one. The problem is, I don’t have the greatest credit score for a loan. Is a 597 credit score enough for a car loan?
Macy Fouse · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I get it, credit scores can be stressful! Don’t sweat it—it’s totally possible to get a car loan with a credit score of 597.
This score is considered subprime, though, so you can expect your APR to fall somewhere between 9.92% and 15.91%.
The loan terms and rates you’re offered will depend heavily upon whether you get your auto loan from a dealership, credit union, bank, or online lender. When you have a lower credit score, it’s especially a good idea to shop around for pre-approval to see which lenders work best for you.
Your interest rates will also depend on your loan type, your loan length, and whether your car is new or used. Longer loans will come with lower interest rates, but that may increase the total amount you end up paying. Finding a co-signer for your loan may also help your interest rates.
If you can raise your
credit score
by even 50 points, you can get a lower interest rate and save the total amount you’ll spend on your vehicle. Improving your credit score can also score you cheaper car insurance
rates. But no matter what your credit score looks like, car insurance app
Jerry
can help you find the cheapest price available for the coverage you need. MORE: What is a good credit score for a car loan?
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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