What Credit Score is Needed to Finance a Car?

Especially when you’re near Cactus Jack's Auto. Our dealership specializes in all levels of bad credit car finance, and we’d love to help you get into a car that fits your budget and needs! Our finance department can help you understand what credit score is needed to finance a car. 

Average Credit Score to Finance a Car

We get a lot of questions from Surprise car-shoppers about what constitutes bad credit vs. good credit. There are official categories for each credit score:

• Superprime: 781 to 850
• Prime: 661 to 780
• Nonprime: 601 to 660
• Subprime: 501 to 600
• Deep Subprime: 300 to 500

Often a super prime credit score is required for a new car loan, but used car loans can be made with lower credit scores. Find out how you can have bad credit and finance a car. 

How to Get Car Financing With Bad Credit

Even with bad credit, car finance loans can be within reach — it’s worth taking a shot. Here are a few ways you can look at a not-great or no credit score when you need a car for commuting from Glendale: 

• Focus on Positives: If you’ve been making progress to eliminate your debt by making timely payments and working with your creditors, lenders are more likely to work with you on getting the financing you need. 
• Bring Proof: Lenders like stability. Bring current pay stubs, proof of address, auto insurance documents, and proof that you’re currently working with you apply for financing. 
• Show Collateral: If you own a home or can make a down payment of at least 25% of the car’s cost, you’re more likely to get financing with an improved interest rate. 

Find Out What Credit Score is Needed to Finance a Car at Cactus Jack's Auto

It’s not as high as you think! At Cactus Jack's Auto we believe everyone deserves a safe car they can afford. We’re willing to work with car buyers who think they don’t have the credit score to finance a car. Contact us to find out the credit score needed to finance a car at Cactus Jack's Auto. Take a look at our extensive list of car-buying tips to learn more about bad credit car finance and how we can help you.