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Is 731 a good credit score for a car loan?
I’ve had my car for almost 15 years, and I think it’s about to finally give up. I’ve got plenty of savings, so I figured I would splurge on a nice new car—will my 731 credit score get me good loan terms?
Samuel Todd · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
15 years, that’s impressive! We’re sure it’s exciting to finally be getting a new car, especially after investing so many good years in your old one. Thankfully, 731 is a great credit score for a car loan—you should be able to secure an APR of about 3.5% on your new car.
Your score falls squarely into the range of “Prime” scores: 661 to 780. According to Experian, this means that you can expect an interest rate of roughly 3.64% on a new car and around 5.3% on a used car. So, you can look forward to great loan terms to go along with your sweet ride!
Getting a new car has lots of positives—excellent performance, a shiny exterior, and, of course, that wonderful new car smell! Unfortunately, a new car has one downside: your insurance payment.
If you don’t want to watch your money disappear to monthly premiums,
Jerry
is here to help. Jerry is your secret weapon when it comes to finding cheap car insurance
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MORE: What is a good credit score for a car loan?
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- 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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