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Can I get a car loan with no credit score?
I just moved to the United States from Iran for a new job about two months ago. Now that I’m licensed and a bit more settled in, I want to purchase a car, but I have no credit. Can I get a car loan with no credit?
Jack Walsh · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
That’s a big move, and I hope you’ve enjoyed your time here so far!
The good news is that you can get a
car loan
with no credit, but your options will be more limited, and you may have a higher interest rate.Your credit score and history are the main influences in a lender offering to provide you with a loan, how much they are willing to offer, and your interest rate. Without having this information to rely on, you are considered a high-risk applicant and will have to find a lender understanding of your situation.
Fortunately, some lenders specialize in providing loans for any credit background, and you should shop around to compare offers from a few lenders to find the best rate. To help increase your chances of finding a loan:
Once your application has been reviewed and approved, you’ll need
car insurance
with comprehensive
and collision
coverage.Similar to finding the best loan agreement, you should shop around and compare quotes from multiple insurance companies to find the best car insurance rate.
If you’d rather leave the hard work of gathering quotes to someone else, use
Jerry
. The Jerry app can collect quotes from 50+ top insurance companies, like Travelers, Nationwide, and Progressive, in seconds, and if you ever have any questions, agents are just a text away!MORE: What to do after buying a new car
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