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How much of a credit score is required for a car loan?
I am looking to get a car loan, and I know there are different credit scores. I am wondering what the recommended credit score is for a car loan?
Lauren Smith · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
There is no required credit score for a car loan; you can find lenders who work with people with bad credit and no credit. However, with a credit score of 661 or higher, you’ll pay less in the long run.
Credit score grouping can vary depending on the lender, but generally, these include:
- Super-prime: 781–850
- Prime: 661–780
- Nonprime: 600–660
- Subprime: 500–600
- Deep Subprime: 300–500
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