Services
PriceProtect™
DriveShield™
GarageGuard™
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Home Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Recent Studies
Comprehensive Data Reports
Reviews
About
FAQ
MenuIcon
BACK

Is a 643 credit score good enough for a car loan?

Will I be able to get a good interest rate on a car loan if my credit score is 643? I don’t totally understand how your credit score affects your loan, so I’m not sure if I should try to build my credit first or not.

avatar
Liz Jenson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
If you have a 643 credit score, it’s not a bad idea to try to raise your score before applying for a car loan. 643 is considered a Fair credit score, which means the lender will consider you a risky borrower. This can make it more difficult to qualify for a loan with a good APR.
However, 643 is very close to the 669 cut-off for a Good credit score. This means that you can raise your credit score relatively quickly by:
  • Paying your bills on time
  • Using less of your credit limit on your credit card
  • Paying off some of your outstanding debt
Keep in mind that you’ll need to purchase insurance for your new car, too. If you’d like some help finding the best rates, check out the
Jerr​​y
 app. There, you can see a list of car insurance quotes that work for you in minutes. The average user saves $887 per year.
MORE:
Should you get a 72-month car loan?
Credit ScoreCar Loans
View full answer 
Jerry user testimonial avatar
rating primary
“My experience with Jerry has been absolutely incredible. It took my car insurance from about $400/month to about $80. The entire experience is seamless.” - Gregory R.
Lower my car insurance too
WHY YOU CAN TRUST JERRY
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.

Join 4M+ members in lowering their car insurance

Find insurance savings

You Might Also Be Interested

card cover

How to Get a Car Loan With a 600 Credit Score

Use these smart tips to find a car loan with a 600 credit score or lower.
avatar
R.E. Fulton
card cover

The Pros and Cons of Financing a Car

Getting a car loan can help you spread out your expenses and build your credit, but it also means you’ll pay more in the long run due to interest.
avatar
Mary Alice Morris
card cover

A Guide On Getting a Car Loan with Bad Credit

This is a guide on how to get a car loan with bad credit. Although you might find yourself with unfavorable loan terms, chances are you can still get a loan with bad credit. Here's how.
avatar
Jacoba Bood

Read Advice From Car Experts At Jerry

card cover

Toyota Tacoma Tire Pressure

The recommended tire pressure for the Toyota Tacoma is 29 or 30 psi for front tires and 29 to 33 psi for rear tires.
avatar
Meaghan Branham
card cover

2014 Ford Escape 1.6 Engine Oil Capacity

Not sure how to find 2014 Ford Escape 1.6 engine oil capacity? We’ve got all the specs your owner’s manual has—plus some extra tips.
avatar
Kara Vanderbeek
card cover

Dodge Dakota Power Steering Fluid

If you own a Dodge Dakota, you should know how to change its power steering fluid. Here’s how.
avatar
Katherine Duffy

What Others Are Asking

Does the Tesla Model X have a spare tire?
I’m considering buying a Tesla Model X, but living in a city full of potholes and dodgy roads. I haven’t had much luck with tires on my previous vehicles. Does the Model X have a spare if I hit a pothole and pop my tire?
avatar
Eric Schad
How long does reckless driving stay on your record?
What’s the longest amount of time that a reckless driving charge can stay on my record? I got the charge in college and it’s still on my record and affecting my job applications. I’m hoping it won’t be there much longer.
avatar
Liz Jenson
How long does it take to patch a car tire?
I have a leak in my tire and I would rather fix it myself, but I don’t want to have to work on it for hours and hours. How long would it take me to patch my car tire?
avatar
Liz Jenson
Browse All Questions

Browse More Content

Car Repair Resources

Insurance for Your Car

Insurance in Your State

    Insurance In Your City

    Easiest way to compare and buy car insurance

    √
    No long forms
    √
    No spam or unwanted phone calls
    √
    Quotes from top insurance companies
    Find insurance savings
    Car Insurance by Make
    Audi
    BMW
    Dodge
    Ford
    GMC
    Honda
    Hyundai
    Jeep
    Kia
    Lexus
    Mercedes-Benz
    Mitsubishi
    Subaru
    Tesla
    Toyota
    View all
    Car Insurance by Model
    Chevrolet Silverado
    Chevrolet Malibu
    Ford Escape
    GMC Sierra
    Honda Accord
    Honda Civic
    Hyundai Tucson
    Jeep Cherokee
    Jeep Wrangler
    Kia Forte
    Mazda 3
    Nissan Altima
    Subaru Outback
    Subaru Crosstrek
    Toyota Camry
    Toyota Corolla
    Toyota Tacoma
    Toyota Highlander
    Toyota Rav4
    Volkswagen Jetta
    View all
    Car Insurance by State
    AL
    AZ
    AR
    CA
    CO
    CT
    DE
    FL
    GA
    ID
    IL
    IN
    IA
    KS
    KY
    LA
    ME
    MD
    MA
    MI
    MN
    MS
    MO
    MT
    NE
    NV
    NH
    NJ
    NM
    NY
    NC
    ND
    OH
    OK
    OR
    PA
    RI
    SC
    SD
    TN
    TX
    UT
    VT
    VA
    WA
    WV
    WI
    WY
    Car Insurance by City
    Austin, TX
    Boston, MA
    Charlotte, NC
    Chicago, IL
    Columbus, OH
    Dallas, TX
    Denver, CO
    Houston, TX
    Indianapolis, IN
    Jacksonville, FL
    Las Vegas, NV
    Los Angeles, CA
    Nashville, TN
    New York, NY
    Philadelphia, PA
    Phoenix, AZ
    Portland, OR
    San Antonio, TX
    San Francisco, CA
    Seattle, WA
    View all
    Car Loan by Make
    Audi
    BMW
    Chevrolet
    Ford
    GMC
    Honda
    Hyundai
    Kia
    Lexus
    Nissan
    Mercedes-Benz
    Subaru
    Tesla
    Toyota
    View all
    Car Insurance by Company
    AAA
    Allstate
    Aspire Advantage
    Assurance America
    Bristol West
    Commonwealth
    Dairyland
    Encompass
    Infinity
    Kemper
    Mapfre
    Mercury
    National General
    Nationwide
    Plymouth Rock
    Progressive
    Safeco
    State Auto
    Travelers
    Car Loan by State
    AL
    AZ
    AR
    CA
    CO
    CT
    DE
    FL
    GA
    ID
    IL
    IN
    IA
    KS
    KY
    LA
    ME
    MD
    MA
    MI
    MN
    MS
    MO
    MT
    NE
    NV
    NH
    NJ
    NM
    NY
    NC
    ND
    OH
    OK
    OR
    PA
    RI
    SC
    SD
    TN
    TX
    UT
    VT
    VA
    WA
    WV
    WI
    WY
    Car Repair by Service
    AC Compressor Replacement Cost
    Battery Replacement Cost
    Fuel Injector Replacement Cost
    Fuel Pump Replacement Cost
    Ignition Coil Replacement Cost
    Oil Change Cost
    Oil Pan Replacement Cost
    Power Steering Fluid Service Cost
    Rotate Tires Cost
    Spark Plugs Replacement Cost
    Timing Belt Replacement Cost
    Valve Cover Gasket Replacement Cost
    Water Pump Replacement Cost
    Wheel Bearings Replacement Cost
    View all