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What does a 625 credit score car loan look like?
I’ve had my eyes on the new Totoya Prius for a few months now—but I’m waiting for a competitive loan offer. Is 625 a good credit score for a car loan?
Max Werner · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Cheers—love to see that you’re window shopping, and the Prius is undoubtedly a great option. A 625 credit score is slightly below the national average of 711, but that doesn’t mean you’re limited to undesirable car loan offers.
Here are the basics on credit scores and some tips to find a good car loan.
Your credit score is the primary way a lender will assess your risk. High credit scores mean the buyer is more reliable. Low scores will mean higher interest rates and longer loan terms.
Anything above 660 may grant access to 5% interest rates and 60-month loan terms, but available offers will depend on the lender.
While banks tend to rely on national averages, credit unions offer more personalized lending options. If you’re worried about overpaying due to a low credit score, visit a credit union for more competitive deals. Credit unions even finance older vehicles—if you’re in the market for a used car loan.
At any rate, once you settle on a lender, you’ll need to protect your vehicle with the right
car insurance
. The best way to do this is to download Jerry
.A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even help you cancel your old policy. No hassles. Just savings.
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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