What credit score will get me a car loan?

I’m in the market for a new car, but I don’t have much credit history because I’m a college student, and my credit score isn’t that great. What credit score will get me a car loan?

Being approved for a car loan as a college student without much credit history or a poor credit score can be challenging, but a credit score of 661 or higher can easily get you approved for a car loan.
However, if your credit score is below 661, you can still be approved if you have a cosigner or use a lender who specializes in offering loans for those with poor or no credit.
Additionally, some lenders may be more understanding of your situation because you’re a college student, so it is wise to shop around to find a lender who’s willing to work with you and compare offers from a few lenders to find the best rate.
Once you’ve found a lender and the vehicle you want to purchase, you’ll need a car insurance policy that has comprehensive and collision coverage.
To ensure you aren’t overpaying for coverage, and make the most of any discounts you’re eligible for, like a good student discount, you should download 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!
Jack Walsh
Answered on Nov 26, 2021
Jack is an insurance specialist and writer living in Buffalo, New York. He has a BA from Union College and worked as an insurance agent with Jerry before joining our content team. He enjoys using data and research to break down complex subjects and convey a story. In his spare time, Jack enjoys cycling, cooking, and exploring Buffalo’s beautiful waterfront.

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