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Can I get a car loan with a credit score of 637?
I’ve been passively car shopping for weeks and hope to finance one soon. I’m working on raising my credit score, but it’s still not where I’d like it to be. Can I still get a good car loan with a 637?
Macy Fouse · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
You can definitely get an auto loan with a credit score of 637.
With
car loans
, credit score can determine interest rates. When borrowers have lower credit scores, lenders raise their APR to cover the risk involved in extending the loan.637 credit score: Non prime
Likely range of interest rates: Between 6.32% and 9.77%
The loan terms and rates you’re offered depend a lot on where you get your loan, too—be it a dealership, credit union, bank, or online lender. It’s a good idea to shop around for pre-approval from a few different lenders to find your best possible option.
MORE: What is a good credit score for a car loan?
View full answer
- Gregory R.
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