What Credit Score is Needed to Finance a Car?

Car Credit History

If you’re stressing over your bad credit, car finance might seem out of reach. What credit score is needed to finance a car? You might think you need a really high credit score to finance a car, but that’s not always the case in Mesa. 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.

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