# What credit score is required to get a car loan?

**URL:** <https://discourse.settlement.org/t/what-credit-score-is-required-to-get-a-car-loan/12963>\
**Category:** Daily Life\
**Created:** [June 27, 2022, 10:38am UTC](https://discourse.settlement.org/t/what-credit-score-is-required-to-get-a-car-loan/12963 "2022-06-27T10:38:56Z")\
**Posts on this page:** 7\
**Page:** 1

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**Author:** ![jelletburges](https://avatars.discourse-cdn.com/v4/letter/j/e0b2c6/32.png) [@jelletburges](https://discourse.settlement.org/u/jelletburges)\
**Post date:** [June 27, 2022, 10:38am UTC](https://discourse.settlement.org/t/what-credit-score-is-required-to-get-a-car-loan/12963/1 "2022-06-27T10:38:56Z")

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What credit score is required to get a loan on a car?

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**Author:** ![SettlementOrgMod](https://avatars.discourse-cdn.com/v4/letter/s/bbce88/32.png) [@SettlementOrgMod](https://discourse.settlement.org/u/SettlementOrgMod)\
**Post date:** [June 30, 2022, 11:15pm UTC](https://discourse.settlement.org/t/what-credit-score-is-required-to-get-a-car-loan/12963/2 "2022-06-30T23:15:32Z")

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Hi there,

Thank you for sharing your question with us.

You may find some helpful information in the [Settlement.Org](http://Settlement.Org) article, [What Should I Think About When Buying a Car?](https://settlement.org/ontario/daily-life/transportation/cars/what-should-i-think-about-when-buying-a-car/)

While there is no universal stated minimum, your credit score will impact whether or not you are approved for a car loan and how much interest you pay. Someone with a higher credit score will typically pay lower interest rates. You can learn more about credit in the [Settlement.Org](http://Settlement.Org) articles, [What affects my credit score?](https://settlement.org/ontario/daily-life/personal-finance/credit-and-debt/what-affects-my-credit-score/) and [What do I need to know about my credit history and score?](https://settlement.org/ontario/daily-life/personal-finance/credit-and-debt/what-do-i-need-to-know-about-my-credit-history-and-score/)

We hope this information is helpful, please follow up with us if you have any further questions.

Sincerely,

Your [Settlement.Org](http://Settlement.Org) team

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**Author:** ![samui](https://avatars.discourse-cdn.com/v4/letter/s/41988e/32.png) [@samui](https://discourse.settlement.org/u/samui)\
**Post date:** [November 1, 2022, 12:11pm UTC](https://discourse.settlement.org/t/what-credit-score-is-required-to-get-a-car-loan/12963/3 "2022-11-01T12:11:36Z")

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its interesting topic. I have plan to win money in casino and buy car

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**Author:** ![devamona](https://avatars.discourse-cdn.com/v4/letter/d/a698b9/32.png) [@devamona](https://discourse.settlement.org/u/devamona)\
**Post date:** [March 5, 2023, 7:07pm UTC](https://discourse.settlement.org/t/what-credit-score-is-required-to-get-a-car-loan/12963/4 "2023-03-05T19:07:08Z")

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That’s interesting to know.

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**Author:** ![JeremiahCounts](https://avatars.discourse-cdn.com/v4/letter/j/e47774/32.png) [@JeremiahCounts](https://discourse.settlement.org/u/JeremiahCounts)\
**Post date:** [October 21, 2023, 4:12am UTC](https://discourse.settlement.org/t/what-credit-score-is-required-to-get-a-car-loan/12963/5 "2023-10-21T04:12:36Z")

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Thanks for the link, I appreciate it. If I still want to know more, I will message here or will start my own thread.

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**Author:** ![alexcray](https://avatars.discourse-cdn.com/v4/letter/a/9e8a1a/32.png) [@alexcray](https://discourse.settlement.org/u/alexcray)\
**Post date:** [March 12, 2024, 11:41pm UTC](https://discourse.settlement.org/t/what-credit-score-is-required-to-get-a-car-loan/12963/6 "2024-03-12T23:41:20Z")

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> [@jelletburges](#):
>
> What credit score is required to get a loan on a car?

Getting approved becomes challenging, but not impossible. You might need a co-signer with good credit or lenders specializing in subprime loans (with even higher interest rates).

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**Author:** ![herrysmith](https://avatars.discourse-cdn.com/v4/letter/h/97f17d/32.png) [@herrysmith](https://discourse.settlement.org/u/herrysmith)\
**Post date:** [February 13, 2026, 5:10pm UTC](https://discourse.settlement.org/t/what-credit-score-is-required-to-get-a-car-loan/12963/7 "2026-02-13T17:10:08Z")

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Most lenders like a credit score of **660 or more** to give a car loan. You can still get one with a lower score, but you may pay higher interest.