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Is 680 a good credit score for getting a car loan?
I’m contemplating either buying a used car with cash or getting a new vehicle using a car loan, but I’m not sure if I’ll even be approved for a loan. Is 680 a good credit score for getting a car loan?
Jack Walsh · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Buying a car with cash has its benefits, but so does having a new vehicle!
In general, lenders prefer borrowers with a credit score of at least 661, so 680 is a good credit score for a
car loan
and you should be approved relatively quickly.Keep in mind that getting a new vehicle with a car loan means it’ll have a
lien
. You’ll need to have a car insurance
policy with comprehensive
and collision
coverage.In contrast, if you buy a used car with cash, you only need to carry the
minimum car insurance required in your state
and won’t have a lien or any monthly payments.No matter what you decide, you can avoid overpaying for your car insurance policy by downloading
Jerry
.Jerry
is an insurance comparison app that shops for low prices with over 50 different insurance companies for free. You will get quotes in seconds, can make changes at any time, and if you ever have any questions, agents are just a text away!View full answer
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