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Is a 782 credit score good for car loans?
I’m trying to get a car loan, but I’m not sure if I’d qualify for good terms. Should a 782 credit score help me secure a good car loan?
Joshua Levy · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Applying for
car loans
can be intimidating, especially when you aren’t too sure about your credit score. But try not to worry! A 782 credit score is considered superprime, so you shouldn’t have any trouble securing a good car loan.Credit scores are vital to finding car loans with reasonable terms, but they aren’t the only information lenders consider. Here are some of the biggest factors that determine your car loan:
- Income: Showing a consistent income tells lenders you’re able to pay them back, so it raises your chances of loan approval.
- Debts: Existing debts could make it harder for you to keep up with your car loan payments, so lenders consider too much debt a problem.
- Loan amount: When you ask for a small amount, lenders don’t risk too much.
While the above factors are extremely important, your credit score is one of the most vital components of your application. Low credit scores almost ensure you’ll be stuck with high-interest rates and inflexible terms. But with a high credit score like 782, you’re likely to find an interest rate under 5%.
Keeping up with car loan payments can be challenging. But you can offset the cost of monthly payments by saving on
car insurance
with Jerry
. A licensed broker, the Jerry app helps users save an average of $887 a year on car insurance. Just download the app, answer a few questions, and Jerry will send you personalized quotes from over 50 top providers, like Progressive and Nationwide, for free. When you find a policy you like, Jerry can help you switch plans and even help cancel your old one.
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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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