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.

More from Cactus Jack's Auto

  • The Importance of Regular Oil Changes

    Changing your car’s oil at regular intervals isn’t just a good idea — it’s a vital part of keeping your car’s engine running properly. The purpose of engine oil is to keep the internal parts of your car’s engine lubricated and cool. Without frequent oil changes, dirt and sludge can build up in the engine, and old,…

  • What is Direct and Indirect Finance?

    Between choosing a trim level and setting a budget, there’s a lot to consider when buying a new-to-you car. One of the most important decisions you’ll make is the financing method, so you’ll want to be familiar with the key difference between direct vs. indirect finance before you get started. So, what is direct and…

  • How to Calculate Gas Mileage

    All new vehicles are rated by the Environmental Protection Agency, commonly known as the EPA. As you may have noticed, many gas mileage ratings are accompanied by a disclaimer stating that “actual mileage may vary.” If you want to be sure that you’re getting the best possible mileage from your vehicle, you can learn…

Saved Vehicles

SAVED VEHICLES

You don't have any saved vehicles!

Look for this link on your favorites:

Save

Once you've saved some vehicles, you can view them here at any time.

Contact Us

(602) 443-5225

Call Now

2440 W Camelback • Phoenix, AZ 85015

Get Directions

Today's Hours:

Open Today! Sales: 9am-7pm

Cactus Jack's Auto 33.5101018, -112.1115231.